vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I tired to formally dispute the inaccurate and unauthorized reporting of LVNV Funding LLC on my credit report. I have reviewed my credit report and discovered that this entity is reporting an account that I have no knowledge of, nor have I ever entered into any agreement, contract, or authorization for this company to report information to any credit reporting agency. 
To the best of my knowledge, I have never had an account, credit agreement, or any relationship with LVNV Funding LLC. Furthermore, I did not provide any permission or authorization for LVNV Funding LLC to access my personal credit history or report any information related to me to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ). 
This unauthorized reporting is a violation of my rights under several key federal, state, and city laws, as well as established accounting and reporting standards. Specifically, I believe this violation falls under the following : 1. Fair Credit Reporting Act ( FCRA ) Under the FCRA, I am entitled to dispute any inaccurate or incomplete information reported on my credit file. LVNV Funding LLC has reported inaccurate information without my consent, violating Section 1681s-2 of the FCRA, which requires that only accurate information is reported.

2. Fair Debt Collection Practices Act ( FDCPA ) The FDCPA prohibits debt collectors from reporting false or misleading information to credit bureaus. Since I have no relationship with LVNV Funding LLC, their reporting constitutes an illegal act under this federal statute. 
3. New York State General Business Law New York State law ( Section 349 of the General Business Law ) prohibits deceptive business practices, including the reporting of inaccurate or unauthorized information to credit bureaus. LVNV Funding LLC 's actions are a clear violation of this statute. 
4. New York City Consumer Protection Laws New York Citys Consumer Protection Law also provides consumer protections against deceptive trade practices, including false credit reporting. This law mandates that companies must report only accurate and authorized information. 
5. GAAP ( Generally Accepted Accounting Principles ) Under GAAP, any reporting by third parties must be accurate, truthful, and substantiated by verifiable contracts and agreements. LVNV Funding LLC can not substantiate any claim that I have any contractual or financial obligation to them, making their reporting a clear violation of GAAP standards. 
6. IRS Guidelines The IRS guidelines for reporting of financial information also stress that no entity may report inaccurate information without the appropriate documentation. Since there is no substantiated contract or agreement, any such reporting by LVNV Funding LLC is a violation of these federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MS

Complaint narrative:
Complaint Summary : I am filing this complaint against Experian for failing to resolve inaccuracies on my credit report and for not adequately investigating disputes, as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes regarding two XXXX XXXX accounts and one bankruptcy record, Experian has failed to verify the accuracy of the information or disclose the source of the bankruptcy data. These issues are negatively impacting my credit score and financial standing. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for engaging in sham investigations of consumer disputes, which aligns with my experience. Experian has not provided meaningful responses to my disputes, nor has it ensured compliance with its obligations under the FCRA. 

Details of the Issues XXXX XXXX XXXX Accounts with Inaccurate Reporting : Account XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Status : Charged off as of XX/XX/XXXX with a balance of {$440.00} Account XXXX XXXX XXXX  XXXX ( Account # XXXX ) Status : Charged off as of XX/XX/XXXX with a balance of {$200.00} I have disputed these accounts multiple times ( e.g., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), yet no verification or corrections have been made. 
Bankruptcy Record with Inaccurate and Unverifiable Information : Record : Filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Ref # XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed that it does not provide bankruptcy information to credit reporting agencies. Experian has failed to disclose the source of this data or validate its accuracy despite my repeated requests. 
Failure to Properly Investigate Disputes : Experian has not conducted a reasonable reinvestigation of my disputes, as required under 1681i ( a ) ( 1 ) of the FCRA. The CFPBs lawsuit against Experian highlights systemic failures to properly investigate disputes, which directly reflects my experience. 
My disputes were dismissed without sufficient documentation, violating the CFPBs enforcement guidelines and Experians legal responsibilities to consumers. 
Basis for Complaint : Violation of 1681e ( b ) : Experian failed to ensure the maximum possible accuracy of the information reported, including the bankruptcy record and XXXX XXXX accounts. 
Violation of 1681i ( a ) ( 1 ) : Experian failed to conduct reasonable reinvestigations of my disputes and ignored documentation I provided. 
Violation of XXXX ( a ) ( XXXX ) : Experian has not corrected or deleted unverifiable information from my credit report, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
n accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the dateThe information being reported is inaccurate and/or incomplete. Despite disputing this with the creditor/credit reporting agency , the issue remains unresolved. 
I believe the reporting of this account violates my rights under sections 611 and 623 of the Fair Credit Reporting Act ( FRCA ), which guarantee the right to dispute and correct inaccurate or unverifiable information on my credit report.

U.S. Code 611 ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file i on which the agency receives the notice of the dispute from the consumer ( 5 ) Treatment of inaccurate information states : In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation.

U.S. Code 623 ( b ) Duties of furnishers of information upon notice of dispute. 
( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. Please update credit report immediately ; Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am writing to formally dispute the late payment reporting on my account with XXXX XXXX XXXX. Specifically, I am referring to the following account details and associated late payment : Account Name : XXXX XXXX Auto Account Number : XXXX Account Type : Auto Loan Late Payment Date : XX/XX/year> Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not reflect information solely related to transactions or experiences between myself ( the consumer ) and the company reporting ( XXXX ). Negative payment histories and late payments have a direct and harmful impact on my credit report and, by extension, my financial wellbeing.

In addition, per 15 USC 1666 ( b ), I am requesting that you provide documentation of the reasonable procedures your company follows to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. I also request that you include the information required by 15 USC 1637 ( b ) of Title 15 in your response. 
Please be advised that you have 30 days from the date you receive this letter to respond with the requested information. If I do not receive a satisfactory response within this timeframe, I will assume that you are unable to verify the accuracy of the reported late payments. In that case, I will request the removal of these late payments from my credit report with all relevant consumer reporting agencies ( Equifax, XXXX, XXXX ), and the account should be updated to reflect a positive payment history. 
Please send any updates or responses to the address listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Thank you for your time and attention to this matter. I look forward to your prompt and favorable response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Noted when checking my recent credit report of 3 inquiries from XXXX and 1 inquiry from XXXX  without my consent. Tried calling the companies but did not delete them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently disputed this fraudulent information from my credit profile. I was not updated with any documentation about these fraudulent accounts reporting on my credit profile beside them being verified and updated on the site. I am aware that my personal information was leaked in a data breach. These fraudulent accounts are defamation of my character and credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed this fraudulent information from my credit profile. I was not updated with any documentation about these fraudulent accounts reporting on my credit profile beside them being verified and updated on the site. I am aware that my personal information was leaked in a data breach. These fraudulent accounts are defamation of my character and credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional Acceptance has never responded to why my information was given to another collection company without consent as well as the collection company XXXX has failed to hold my personal information safe. Since XXXX XXXX my information with my name and social security number has been affected. RAC has never explained to me how this would be legal. Mind you that this has been past timely matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
I ask this company for a investigation on this XXXXXXXX XXXX account as this account was part of a Data breach.My information was complomised. I filll out a affidavit from FTC that I am attaching.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA
State: MD

Complaint narrative:
Student loan was in XXXX included it in bankruptcy in XX/XX/XXXXXXXX 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 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
They call on a daily basis multiple times a day. Told them to stop. But they wont.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MO

Complaint narrative:
I cant go to a store to add money to my cash app card! A woman at one of the stores advised me I didnt have a barcode on my app that allows that to be done. The only way for me to add money is to transfer it back and forth digitally and it charges me fees to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
I was recently approved for a complete discharge of student loans from the U.S. Department of Education on XX/XX/scrub>XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Not properly disputing and removing false and inaccurate information from my report Account numbers- XXXX and XXXX All three bureaus have been negligent as well as the accused in removing these accounts immediately. The treatment of unverifiable information when sending over the disputes is clearly unlawful under 15 U.S code 1681 ( i ). There is account level documentation because the accounts are inaccurate and dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Filed a dispute on a creditor that issued a charge off on my account and after the statute of limitations expired the creditor sold the debt to a collection company in which the collection company was able to report the debt on my credit report!! The credit bureaus were notified by me on what occurred in which I had filed a dispute claim stating that it was a old debt that the statute of limitations on that debt had expired and it was reported under a different collection agency name making it seem like it was a new collection. The credit bureaus are failing to investigate this properly and are breaking the law by refusing to disclose the outcome of their investigation and blocking me from opening another dispute claim for the same creditor, stating that they have already investigated this issue in the past and wont let me continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Filed a dispute on a creditor that issued a charge off on my account and after the statute of limitations expired the creditor sold the debt to a collection company in which the collection company was able to report the debt on my credit report!! The credit bureaus were notified by me on what occurred in which I had filed a dispute claim stating that it was a old debt that the statute of limitations on that debt had expired and it was reported under a different collection agency name making it seem like it was a new collection. The credit bureaus are failing to investigate this properly and are breaking the law by refusing to disclose the outcome of their investigation and blocking me from opening another dispute claim for the same creditor, stating that they have already investigated this issue in the past and wont let me continue.

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