vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear, LVNV Funding LLC I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate, and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitied to request validation of any debt a collector attempts to collect, including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA, Section 611 ( a ), credit reporting agencies are obligated to verify and substantiate information they report. ensuring it is accurate, complete, and fair.

Please provide the following : Verification of the debt, including the name of the original creditor. 
amount owed, and any associated contract or agreement proving my obligation to pay. 
2. {$340.00} 3.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

4. Evidence that you have investigated this account as mandated by the FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per Section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/year> I was in the process of refinancing my second mortgage that was with NewRez/Shellpoint Mortgage Servicer. On XX/XX/year> XXXX XXXX hit our home in XXXXXXXX XXXX  and we were forced to evacuate. During this time NewRez/Shellpoint put our second mortgage into XXXX XXXX XXXX as we assessed all damages and returned home. While we were in XXXX NewRez/Shellpoint reported us as XXXX late to XXXX, XXXX, and XXXX XXXX dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called NewRez/Shellpoint to have them remove the XXXX late which they refused to do. I called the credit bureaus and opened a dispute. All XXXX deferred back to NewRez/Shellpoint who confirmed the inaccurate XXXX late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by 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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
hi... .. ( first, I want to state that they stopped contacting me when I said I was reporting them to you. i just thot you should know, since i believe it's a wide-spread scam ) In XXXX of this year, i began getting texts from Spring Oaks Capital saying that they were trying to collect a debt and would settle for {$500.00}. At first I just ignored the texts but then they got more aggressive. So, eventually, i texted them back and said I would happily settle a debt that i owed and they needed to forward to me the original debt so i could make sure they had the correct person. We went back and forth on this a couple times with them asking me on every occassion to cnfirm my birth date. I declined to do that and they suggested I could call them at XXXX or visit their portal. Due to THEIR security restraints, they could not give me any info re the supposed debt. On XXXX, a person named XXXX XXXX  contacted me via text and we went thru the whole nonsense again with both sides declining further info. When i was urged again to give birth date, I responded " nope. I am about to report this incident ''. Never heard from them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had issues with my Wells Fargo account & I heard they was giving out settlement which I just hearing about & I been banking with them for 10 years I need to know If im Eligible for compensation

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ID

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I Opened up my Cash app account back in XXXX  and had been using the account for my main source of income and to make payments it was used for everything I then XXXX day out of nowhere they just closed my account stating that I didnt follow their disclosure agreement and it just happened suddenly and I dont know what happened I never got an explanation I didnt violate anything at all for this to happen I asked for information and they refused to tell me anything they held my money for weeks before releasing my funds bank account suffered due to this because my XXXX  account was closed due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX  XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports.

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/scrub> 2025 I ordered a Vehicle Report from XXXX ( a.k.a. XXXX XXXX XXXX located in XXXX, IL ) for {$49.00} and paid using my Citibank credit card. The report received did not contain any extra information compared to a free report I got from the web. Therefore, on XX/XX/scrub> 2025 I initiated a dispute for the charge siting a low quality of the received product. 
Two days later a representative from XXXX XXXX contacted me by email inquiring about a nature of my dispute, which I explained in my response to the company. The representative followed up right away by saying that they accept my dissatisfaction and will reimburse me, if I withdraw my dispute. After a couple of back and forth emails where I inquired about the company assurance of the refund I withdrew my dispute. After that I never heard back from the company- my emails went unanswered, neither I received any refund. 
i called the credit card, explained the situation that I was basically tricked into withdrawing my dispute and the customer service representative re-opened my dispute. A couple of days later I got a letter from the credit card saying that since I withdrew the dispute myself I have to contact the merchant and resolve the problem directly. The merchant, of course, does not respond any longer. End of story. 
Please, assist. 
Thank you!

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 2025-02-24 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: NY

Complaint narrative:
Federal Student Aid balances reported by XXXX is incorrect. Loan were forgiven under the Federal Government Forgiveness that was setup by XXXX XXXX XXXX XXXX. The balance should be XXXX with corrected repayment dates. This is a violation of Federal Truth In Credit Reporting Act and FTC law. I went through the process with a case worker and was approve because I was on 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 2025-02-24 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: NY

Complaint narrative:
Federal Student Aid balances reported by XXXX is incorrect. Loan were forgiven under the Federal Government Forgiveness that was setup by XXXX XXXX XXXX XXXX. The balance should be XXXX with corrected repayment dates. This is a violation of Federal Truth In Credit Reporting Act and FTC law. I went through the process with a case worker and was approve because I was on 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
Federal Student Aid balances reported by Mohela is incorrect. Loan were forgiven under the Federal Government Forgiveness that was setup by XXXX XXXX XXXX XXXX. The balance should be XXXX with corrected repayment dates. This is a violation of Federal Truth In Credit Reporting Act and FTC law. I went through the process with a case worker and was approve because I was on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: PR

Complaint narrative:
On XXXX XXXX XXXX, I attempted to transfer some crypto out of my XXXX  account. The transfer was denied due to a " security hold '' on the account. I opened a support ticket to request that they remove the security hold. They responded, asking me to send them a photo containing the following : 1. A view of your full face 2. Your ID that was used to register with XXXX.

3. A handwritten note that states the current date and says [ XXXX ] underneath I sent them this photo, which I've attached for your reference. They then responded stating the following : " Thank you for providing the selfie attachment. I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps. If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email. '' All of this took place on XX/XX/XXXX, but now, XXXX weeks later, my account still has a security hold and XXXX has stopped communicating with me. I emailed them several times since then, but they don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my 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 non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Experian XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Correction of Inaccurate Reporting Under the FCRA To Whom It May Concern, I am writing to formally demand that Experian and XXXX take immediate corrective action regarding the inaccurate reporting on my XXXX XXXX XXXX XXXX account ending in XXXX. I have repeatedly disputed the erroneous reporting of a late payment, as I have never been late or delinquent on this account. Despite my numerous dispute letters, both Experian and Equifax have failed to provide the required proof of the verification process or the complete details of any investigation conducted, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the FCRA, credit reporting agencies are legally obligated to investigate consumer disputes thoroughly and provide proper verification of any disputed account information. Failure to do so constitutes a violation of my rights under the law. Given Experian 's and Equifax 's failure to meet these legal obligations, I am demanding the following corrective actions : Update my XXXX XXXX XXXX XXXX account ending in XXXX to reflect " Paid as Agreed '' with no late or delinquent payments. 

Provide written confirmation that these changes have been made and that the inaccurate late payment notations have been permanently removed from my credit file. 

If Experian and Equifax fail to comply with this demand within 15 days of receipt, I will have no choice but to pursue all available legal remedies and initiating legal action for violation of my rights under the FCRA. 

I expect your prompt attention to this matter. Please confirm in writing once the necessary corrections have been made. 

Sincerely, 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief