vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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 hereby dispute the validity of this account in its entirety and demand the following. 
1. Proof of Licensing : Provide documentation demonstrating that your company is licensed to collect debts in the state of FLORIDA.

2. Validation of Debt : Provide full validation of the alleged debt under 15 U.S Code 1692g of the FDCPA, including the original creditors name, itemized detail of debt, and evidence of my liability for the debt.

3. Cease and Desist : Until you provide the above documentation, you must cease all collection activity, including reporting debt to credit bureaus, under 15 U.S. Code 1692c. 

Be advised that attempting to collect a debt without the proper license is a violation of STATE and FEDERAL LAWS, and I will not hesitate to file a complaint with the Florida Office of Financials Regulation, the FEDERAL TRADE COMMISION { FTC } and the Consumer Financial Protection Bureau [ CFPB ] if this matter is not resolved promptly. I also reserve the right to pursue legal actions for damages caused by your unlawful collection practices. 

Please consider this a formal request for all communication regarding this matter in writing. Any further attempts to collect without appropriate licensing or validation will be reported as harassment. 

ACCOUNT NUMBER XXXX  ACCOUNT NUMBER XXXX  I expect a response within 14 days of receipt of this letter. 

Thanks for your prompt attention to this 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M a victim of the recent data breach and urgently request that all accounts mentioned be block and deleted pursuant to 15 USC 1681C-2 ( a ). Effected account XXXX XXXX balance {$410.00} opened XX/XX/year>XXXX  account number XXXX. This breach is severely impacting my ability to obtain approbal for a car loan, which is necessary to transport my children to and from school. This situation is causing me signicant stress and hardship for me, and I ask for your prompt assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio, XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Credit Report Dispute - Inaccurate Reporting Dear, XXXX I am writing to formally dispute an inaccuracy I noticed in my credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed account : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Nature of the Dispute : The account is reported as Paid, Closed. {$100.00} written off. However, this is inaccurate. Based on my records, there is no amount that should have been written off as I fulfilled all obligations prior to the closure of the account. Additionally, the payment history displays severe delinquencies for months during which payments were either made or the account should not have reflected such derogatory marks. 

For example : The report lists delinquencies for XX/XX/XXXXXXXX  to XX/XX/XXXX, which is incorrect because the account was closed and fully paid off. 
The account comments state Account previously in dispute - investigation complete, but there is no documentation supporting the resolution of this investigation, and the findings appear to be inconsistent with my payment records. 

I have attached the necessary documents to support my claim, including : 1. Proof of payments made during the alleged delinquency period.

2. Confirmation of the account closure with no outstanding balance. 

I kindly request the following actions : 1. Investigate and correct the inaccuracies on this account. 
2. Remove any delinquency marks from the months of XX/XX/XXXXXXXX  to XX/XX/XXXX. 
3. Provide me with a corrected credit report. 

Please conduct a thorough investigation and let me know the outcome within the required 30-day period. If you require additional information or documentation, feel free to contact me at XXXX XXXX XXXX XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-20 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Credit Report Dispute - Inaccurate Reporting Dear, XXXX I am writing to formally dispute an inaccuracy I noticed in my credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the disputed account : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX  Nature of the Dispute : The account is reported as Paid, Closed. {$100.00} written off. However, this is inaccurate. Based on my records, there is no amount that should have been written off as I fulfilled all obligations prior to the closure of the account. Additionally, the payment history displays severe delinquencies for months during which payments were either made or the account should not have reflected such derogatory marks. 

For example : The report lists delinquencies for XX/XX/XXXX to XX/XX/XXXX, which is incorrect because the account was closed and fully paid off. 
The account comments state Account previously in dispute - investigation complete, but there is no documentation supporting the resolution of this investigation, and the findings appear to be inconsistent with my payment records. 

I have attached the necessary documents to support my claim, including : 1. Proof of payments made during the alleged delinquency period.

2. Confirmation of the account closure with no outstanding balance.

I kindly request the following actions : 1. Investigate and correct the inaccuracies on this account. 
2. Remove any delinquency marks from the months of XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX 
3. Provide me with a corrected credit report. 

Please conduct a thorough investigation and let me know the outcome within the required 30-day period. If you require additional information or documentation, feel free to contact me at XXXX XXXX XXXX XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
To formally dispute inaccurate information on my credit report due to identity theft, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ). The disputed accounts ) does not belong to me and was fraudulently opened or altered without my authorization. I am requesting your assistance in investigating this matter and ensuring its correction. 
Details of the Fraudulent Accounts ) : Account Name : XXXX XXXX Partial Account Number : XXXX Account Name : XXXX XXXX  Partial Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Partial Account Number : XXXX Credit Bureau ( s ) Reporting the Account : [ XXXX/XXXX/TransUnion

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 2025-01-20 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:
To formally dispute inaccurate information on my credit report due to identity theft, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ). The disputed accounts ) does not belong to me and was fraudulently opened or altered without my authorization. I am requesting your assistance in investigating this matter and ensuring its correction. 
Details of the Fraudulent Accounts ) : Account Name : XXXX XXXX Partial Account Number : XXXX Account Name : XXXX XXXX  Partial Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Partial Account Number : XXXX Credit Bureau ( s ) Reporting the Account : [ XXXX/Equifax/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 procer 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
I went to check my credit report and noticed there were some inquiries that were listed that are not mine.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices witch violate the Customer Financial Act ( CFPA ) Supercialy 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 seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with Experian due to Identity theft, shared information with 3rd parties, etc. I filed the report both with Experian and CFPB ( XXXX ). I now see that they stated that they sent a conclusion statement to me but I never received such a letter. 
I feel this dispute was improperly investigated. Experian failed to remove errors. 
I supplied adequate documents, including a police report. At the time of the dispute I was a prime level PAYING member of experian and could not get help on the phone nor by mail. Experian has violated my civil rights and that of a consumer of their services. 
I am requesting that they make restitution and repairs to my 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 2025-01-20 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: TX

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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 2025-01-20 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: MD

Complaint narrative:
I request the immediate removal of these unauthorized accounts from my credit report. I did not open or approve them and have no knowledge of their source. Under USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding is reporting incorrect information on my credit report and attempting to serve court papers based on inaccurate payment details. I do not owe them anywhere near the amount they claim, and I am requesting that this dispute be resolved and dismissed immediately. Their actions are harming my livelihood, and I demand an immediate dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
I request the immediate removal of these unauthorized accounts from my credit report. I did not open or approve them and have no knowledge of their source. Under USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your consideration.

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 2025-01-20 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: NJ

Complaint narrative:
This is my third dispute concerning the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my TransUnion credit report. Despite my previous attempts to resolve this issue, no proper resolution has been provided, and this ongoing error continues to misrepresent my creditworthiness. I have consistently paid this account on time, and this error significantly misrepresents my creditworthiness. TransUnion inaccurately marked it as LATE, whereas XXXX correctly shows no late payments. This ongoing discrepancy is unacceptable and constitutes clear violations of several federal laws, including 15 USC 1666b ( a ), which prohibits treating payments made within the agreed timeframe as late ; 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; and 15 USC 1681s-2 ( b ), which mandates that furnishers of information investigate and correct inaccuracies after receiving a dispute notice. Moreover, this error breaches 15 USC 1681i ( a ), which obligates credit reporting agencies to conduct a timely and thorough reinvestigation of disputed information. The continued failure to resolve this issue, despite my previous disputes, shows a pattern of willful negligence as defined in 15 USC 1681n, which allows for damages of up to {$1000.00} per violation for willful noncompliance. Additionally, negligent noncompliance, as outlined in 15 USC 1681o, holds furnishers liable for actual damages sustained due to such inaccuracies. Furthermore, this issue violates 12 U.S.C. 5531, which mandates that consumer financial services must adhere to clear, fair, and transparent practices. This includes the accurate handling of disputes and reporting of credit information, which XXXX has failed to do. Additionally, 15 U.S.C. 1681g ( e ) applies, as it requires that credit reporting agencies provide proper documentation when fraudulent accounts are reported. XXXX failure to provide such documentation and correct the fraudulent account is a violation of this law. Furthermore, 15 U.S.C. 1681a ( q ) ( 3 ) underscores that the reporting of fraudulent accounts, as in my case, amounts to identity theft and must be properly addressed. The fact that this issue remains unresolved after multiple attempts is causing undue stress and harm to my credit score. As TransUnion has failed to accurately reflect my payment history, I demand an immediate correction to align with the accurate data reported by XXXX. Should this matter not be addressed promptly, as required by law, I will pursue further legal action to ensure my rights are upheld.

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