vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am disputing a {$4400.00} collection account reported by National Credit Systems ( NCS ) on behalf of XXXX XXXX XXXX ( PPM ). Despite multiple disputes and requests for validation, NCS failed to provide legally required verification of the debt and continued collection efforts. 

I submitted three formal disputes to NCS ( XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX ), pointing out that the debt was improperly assessed and requesting supporting documentation such as : a signed lease agreement; Invoices, receipts, or photos supporting the alleged damages and duplicate charges ; and proof that the charges complied with XXXX XXXX XXXX which requires tenants to be made aware of charges within XXXX of move out. 

I was never advised of my right to dispute this debt by NCS, and only did so after educating myself following the initial correspondence dated XX/XX/XXXX. 

The debt is invalid due to unsubstantiated charges and improper collection procedures by the rental company, and I have extensive documentation ( including residence photos and emails with the rental company ) I have sent to NCS multiple times -- yet they have not responded to or acknowledged those facts. 

They have only provided one generic ledger from the rental company, ignoring all specific validation requests. Despite my disputes, they continued collection efforts and reported the debt to credit bureaus. Their improper reporting has resulted in my credit score dropping by XXXX points as of XX/XX/XXXX, damaging my ability to secure housing and loans. My credit report now states " National Credit Systems - Collections, '' causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: DISCOVER BANK
State: ID

Complaint narrative:
We made a purchase of a XXXX XXXX using my Discover Card ending in XXXX the first of this year. The dryer was never delivered by XXXX because the delivery company was not able to meet the delivery date. The order was cancelled by XXXX which we have verified with XXXX several times and the attached documents show that the dryer was never delivered. Discover Card has charged and refunded the purchase of this driver 5 times now resulting in our being charged for this dryer which was NEVER delivered. XXXX has told us several times that they would contact Discover and resolve this only to have Discover Card charged the dryer back to my account, now, today, for the fourth time. We did NOT receive this dryer and we will not pay for it just because Discover Card is unable to read and understand the documents they have been sent on several occasions by XXXX. The total of this original purchase was {$700.00}. XXXX charged this amount to Discover Card in two transactions : {$640.00} for the Dryer and {$60.00} for the delivery fee. At the current time Discover Card has recharged us for the Dryer but the delivery fee has not yet been recharged. It more than likely will be and is part of this complaint. NOTE : On the letter sent to us by Discover that shows Whirlpools response to the original dispute of the charges on the bottom of page XXXX XXXX tells Discover that the original purchase has been refunded in full, Discover has known this from day XXXX and ignores it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: AL

Complaint narrative:
I contacted the company to get information on the account. The account could not be verified. Was instructed to file a report to remove item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wire Transfer from XXXX to myLoanCare.com through Wells Fargo XXXX XXXX XXXX Account. 
I Called XXXX XXXXXXXX  to attain money wire instructions for a loan payoff. The payoff amount is $ XXXX The following are those Directions : Wells Fargo Bank Collection Clearing Account XXXX XXXX XXXX XXXX XXXX, CA XXXX Route XXXX Account XXXX XXXX : Payoff Dept My instructions from XXXX : Wells Fargo Bank XXXX : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, CA XXXX Route : XXXX Account XXXX XXXX XXXX Payoff Department Loancare Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I sent the money from XXXX Joint Account where the funds were available. 
The following is XXXX documentation of the process : XXXX Notifications were received as follows : XXXX XXXX PM Wire in Transfer Progress Ref Number : XXXX XXXX XXXXXXXX XXXX Wire Transfer Complete - Ref Number : XXXX XXXX XXXX AM Outgoing Wire Reference Number : XXXXXXXX XXXX On XX/XX/XXXX I contacted XXXX  - they had not information on the wire transfer. I called XXXX they confirmed all the information on the wire transfer was as expected from XXXX. These calls continued weekly to XXXX with Escalation they said and they'd call back. They did not. On XX/XX/XXXX, XXXX initialed a 3-way call to XXXX. We reviewed all the numbers for the wire to be correct again but My Loancare see nothing. The dark hole appears to be Wells Fargo NA XXXX XXXXXXXX Account - No way to access, call or walk in an office. So this complaint is against Well Fargo Bank NA. I would very much like my money or Loancare to attain the money to apply against my loan. I am required to continue loan payments with high interest rates while this remains unresolved. 

XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> and XX/XX/year> I called TransUnion to update my personal address which is still currently being incorrectly reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> and XX/XX/year> I called TransUnion to update my personal address which is still currently being incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. 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 2025-03-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX, I received a debit card in the mail ( not yet activated ) from a company called NetSpend for an account that I could deposit my paycheck to. I have been a victim of identity theft and this account was opened without my consent. 

When I called to cancel the account and described why I needed to close the account, the customer service rep suggested that I keep the card in case I wanted to activate it in the future. I told him no and that the account should be cancelled immediately. He told me that he he cancelled the account but I have no proof and he couldn't provide me with any. 

I am sure this will happen again with this company, as they were indifferent to my complaint and I got the impression they weren't taking me seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 ). Specially, Cash App failed to take timely and effective measures to prevent and adress 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 process was unfair and deceptive, as they did not want to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and fincial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently noticed that XXXX XXXX XXXX, placed an account for collection on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. Under the FDCPA, specifically 15 U.S.C. 1692g ( a ), a debt collector is required to send the consumer a written notice within five days of the initial communication regarding the debt. This notice must include : The amount of the debt. The name of the creditor to whom the debt is owed. A statement informing the consumer of their right to dispute the debt within 30 days of receiving the notice. A statement that upon the consumer 's written request within the 30-day period, the debt collector will provide verification of the debt or a copy of a judgment. To date, I have not received any such written communication from XXXX XXXX XXXX, despite the account appearing on my credit report. This omission is not only a potential violation of the FDCPA but also detrimental to my credit standing and overall financial well-being. I am providing a copy of my credit report showing the entry by 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 non-monetary relief
Consumer complaint received 2025-03-04 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: IA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to formally request the removal of the alleged debt associated with my name and account. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c, 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am asserting my rights and requesting validation and removal of any inaccurate, unverified, or outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found out today that TransUnion is reporting a XXXX  win my credit report and this is not mine. 

XXXX XXXX XXXX filing - - Status : - - - Date Filed/Reported : XX/XX/year> - - Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
XXXX XXXX XXXX - We agreed to pay for deletion and it still showing on my report even though this payment was completed months ago.

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