vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XX/XX/year> File number : XXXX Subject : Cease and Desist Notification Dear XXXX XXXX XXXX, XXXX and LVNV Funding LLC I am writing to formally demand that you immediately cease and desist from using my intellectual property without permission " harassing me through email and Mail, '' " distributing false information about me on my credit report that is not mine.

Your actions are unlawful and have caused me bad reflection of a credit score and my credit report which has caused me damage to my reputation to other companies in providing me loans and credit, and I believe you are violating 15 USC 1692 CC. If you do not immediately cease and desist from these actions, I will be forced to take further legal action, which may include filing a lawsuit or seeking a restraining order. 

Please confirm in writing by XX/XX/year> that you have complied with this request. 

This letter is not a complete statement of my legal rights, and I reserve the right to take any and all necessary actions to protect those rights. 

Sincerely, complained

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Account Servicing, LLC
State: GA

Complaint narrative:
Universal Account Servicing calls me multiple times every day after I explained the situation to them : that the service provider XXXX XXXX XXXX cancelled all my services without providing me with promised refund. They owe me more money than the current balance on the Universal Account Servicing account. See attached evidence : 1. I had several purchases unused in my account ( the green ones ) but on my account I have XXXX treatment left. XXXX. A screenshot of email follow up with XXXX who was on the phone with me discussing refund. XXXX our recorded conversation discussing the refund which I never got

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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX  - Failure to conduct reasonable investigations on disputes filed with XXXX XXXX and American Express reported on credit file. Investigations return no explanation of information other than stating verified accuracy. Failed to give information on investigation process and updated within 2-4 days only.

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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score and my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filling 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 Fraud 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: IN

Complaint narrative:
I had no clue of this credit card until I seen it on my credit card I did some research and filed a dispute through XXXX. Asking for contract with my signature. During dispute I asked proof validation of bill. FDCPA requires agencies to contact about dept it must include amount owed original creditor and how to dispute dept. I still havent heard anything from them. No contact no report. Can not report a dept to credit bureaus before contacting me. This law was implemented in 2021. Im not sure if this an ongoing thing but I have never been contacted on any of my collections. Having something like this on my credit over XXXX dollars. But I never used their credit card ever.

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: 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:
There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to 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 material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX  XXXX -- - AC # XXXX -- Date opened- XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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: 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: SC

Complaint narrative:
Dear Equifax Are you ready to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of the rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against experience for his way to properly investigate consumer disputes Signings, shame, investigations, and other unlawful practices. These practices as outlined by the CFPB.

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: SC

Complaint narrative:
Dear Equifax Are you ready to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of the rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against experience for his way to properly investigate consumer disputes Signings, shame, investigations, and other unlawful practices. These practices as outlined by the CFPB.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX I filed a dispute request accuracy on multiple accounts on my credit report Experian reported them as accurate without further explaining how they came up with the accuracy on those accounts.I am a hard working single mom and there are false reports of late payments and accounts owed on my report. I want to buy a home and these negative reports are causing havoc on my family.All of my personal information has been leaked to the dark web and now Im seeing inquiries and false information on my reports. Experian has violated my rights to protect me as a consumer and asked for all of these late payments inquiries and falsely reported accounts to be immediately removed off of my account..

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: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX I filed a dispute request accuracy on multiple accounts on my credit report Experian reported them as accurate without further explaining how they came up with the accuracy on those accounts.I am a hard working single mom and there are false reports of late payments and accounts owed on my report. I want to buy a home and these negative reports are causing havoc on my family.All of my personal information has been leaked to the dark web and now Im seeing inquiries and false information on my reports. Experian has violated my rights to protect me as a consumer and asked for all of these late payments inquiries and falsely reported accounts to be immediately removed off of my account..

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:
It has been brought to my attention that you are not removing files when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove these ITEMS listed below which is reporting inaccurately due to erroneous activity, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
Please remove these items as it is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had an account with chime that for some unknown reason was closed and I had to open a new account but never received my money from that account. I had forgotten all about it until a bank I was just linking my account to shows my chime account that has the XXXX dollars in it. Ive called and emailed and keep getting nowhere its been years and I dont understand what the issue is. I had to take out a loan back then with XXXX because of this and recalling the stress I was put thru over this the last time I tired getting my money. It was a hard time I was going thru and I just want my money. The account Im referring to is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New account is under XXXX And I had moved around the corner at XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I am writing to formally address concerns regarding the handling of my personal information, specifically in relation to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), under 15 USC 1682b, and the identity theft provisions under 18 USC 1028A and 15 USC 6802. 

1. Fair Credit Reporting Act ( 15 USC 1681 ) : As a consumer, I am entitled to receive accurate and complete information regarding my credit history. If there have been any inaccuracies or unauthorized entries in my credit report, I request an immediate investigation and correction as per the provisions of the FCRA.

2. Disclosure of Consumer Information ( 15 USC 1682b ) : I would like to remind you that under the provisions of FACTA, any consumer reporting agency may furnish a consumer report only under certain conditions. If my information has been shared without my consent or in violation of the law, I demand that this practice cease immediately, and that I be notified of any disclosures made.

3. Identity Theft Protections ( 18 USC 1028A ) : The unauthorized use of my personal information constitutes identity theft, which is a federal crime. If my information has been compromised, I urge you to take appropriate measures to prevent further unauthorized access and to notify me promptly of any such incidents.

4. Privacy of Consumer Financial Information ( 15 USC 6802 ) : I expect that your organization has taken the necessary steps to secure my personal financial information. If my information has been disclosed without my consent, I request a full accounting of the parties involved and the measures taken to protect my data.

Please provide a written response to this letter within 30 days, detailing the actions you will take to address these concerns and ensure compliance with the aforementioned statutes. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft and have been for several years now. Just trying to recover. I have sent out the necessary documentation that would render a BLOCKING of the fraudulent items that have been placed onto my credit report, but when i called the credit agencies today, they all were saying wait 30days, etc. for investigation to complete when i kept telling them. thats NOT how this works, not these circumstances, not situations involving identity theft and i've sent in my i.d theft report, proof of identity, list of fraud accounts and statement inside that affadavit... Those are the necessary documents needed for a credit agency to BLOCK items within four business days of receipt pursuant to FCRA 605B law and I've sent that. They did not HONOR MY BLOCK REQUEST, willfully. This is my livelihood and something i take very serious. I am in the mist of a big lawsuit thats going to involve all parties involved and ill make {$1000.00} per month in damages for every reported month with these fraudulent items.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app I have used few times had to create different account because I was keep getting fraud and scam I have lot over XXXX dollars to this company I have tryed and tryed to contact them to file a complaint they never respond they never go threw with anything they just tell me there working on my case but then a week later its gets denied

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i would like these inquires to be remove from my credit report so my credit report can report accurately INQUIRES XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX AUTO ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Bank ) Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my 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 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX BALANCED {$1600.00} XXXX XXXX BALANCED {$720.00} XXXX XXXX XXXX BALANCED {$1300.00} XXXX XXXX XXXXXXXX BALANCED {$720.00} XXXX XXXX XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$10000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief