vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 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 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

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 2024-10-02 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Ive identified inaccuracies on my credit report, in line with 15 USC 16c-2. The information in question is incorrect and negatively impacting my credit score..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Request Debt verification Request assignment contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: DE

Complaint narrative:
I am writing to inform you of inaccurate entries on my credit report as per 15 USC 16c-2, which are affecting my credit rating. Since these inquiries were not authorized by me,

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sold a XXXX XXXX XXXX XXXX and the buyers deposit a check on my account but I think he deposited twice and a couple days past and I cant withdraw funds. I call 3 times to capital one and they didnt do anything just ask me for the person phone number and thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
XXXX XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 consumer 's file or modify that item of information, as appropriate, based on the results of the 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 2024-10-02 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: PA

Complaint narrative:
I am writing this letter because I have recently reviewed my credit report and found an item on my report that I do not recognize and need to have the charge verified. 

This account is affecting my overall credit report and preventing me from progression purchasing a mortgage and more. 
I need someone to verify the account to ensure that the account is accurate. Below is the account that I need to be verified and validated. 

XXXX XXXX XXXX Account XXXX. XXXX Please follow up with a response and verification of this 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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
Someone transferred money into my account from someone elses account and then used those funds without my acknowledgement and now the bank it was taken from is trying to prosecute. I had to get 5 new debit cards due to identity theft in the past 6 months and after that incident I finally closed the account due to there inability to keep my account safe. You would think that if someone tried to add a bank account to transfer money to and FROM that the bank would see that its not in my name and would reject the transaction or adding of the bank account that obviously doesnt belong to the owner of the bank account they are adding it to nor married to that person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Moneytree Inc
State: NV

Complaint narrative:
On the XXXX of XX/XX/XXXX I took an installment loan out with a company called Moneytreeinc and upon taking this out I logged into the account to setup a complete payoff one week after the loan was taken out and notice they imputed another debt of {$520.00} on this account.

I called into this company to get details on why there was another debt listed on my account and they stated it was for a check that was cashed back in XXXX that came back as XXXX. I explained to them that this was the first time I have ever had dealings with this company and that I wanted proof of debt to be sent in which they refused to do but forwarded my complaint to their disputes department and hung up on me. 
On the XXXX of XX/XX/XXXX I received a call from the Moneytreeinc Consumer Complaints Department from a representative name XXXX last name was refused to be given. When I ask for this fraudulent item to be explained I was told, and I quote " XXXX- Do you know a person by the name of XXXX XXXX XXXX My response No! XXXX-interesting do you have a police report for identity theft? My response - One was file back in XXXX, but I don't have the file. XXXX- well we need that to further investigate. My response- So you're telling me you're trying to collect a debt from a check that was cashed in XXXX you're not giving me a date and the name you provided is not even me but you're going to try and force me to pay this? XXXX - XXXX! My response - Well this is not mine you're illegally trying to obtain a debt that does not belong to me, and I will be filing a complaint with the FTC and XXXX of Nevada and if needed file a Civil Tort and the conversating was terminated and she hung up. '' This company is creating debt and false names and trying to get people to pay those debts and this needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-10-02 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim off idenity theft. I found a couple accounts on my credit report that wasn't authorized by me. This has been hurting me as i am trying to buy a home for my family and i. Pleaseremove negative account on my credot report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First the debt is in litigation as I'm writing the complaint. Second the I've already filed my 1099c to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
First the debt is in litigation as I'm writing the complaint. Second the I've already filed my 1099c to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First the debt is in litigation as I'm writing the complaint. Second the I've already filed my XXXX to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.

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 2024-10-02 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: American First Finance, Inc.
State: IL

Complaint narrative:
I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX on XXXX XXXX the account number # XXXX, an a auto loan opened at XXXX XXXX # XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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. 
as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MO

Complaint narrative:
I received a business debit card in the mail Thursday, XX/XX/XXXX from Square. I was informed that a checking account may be opened in my name as well. The fraudsters used all of my information except my email address. I have been contacting Square to close the account and receive an update on the status of the account as well as if any funds spent would affect me. I'm being told they can not verify who I am, even after I offered to fax my drivers license, and due to this they will not provide me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
First the debt is in litigation as I'm writing the complaint. Second the I've already filed my 1099c to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have been attempting to open a ally savings account for weeks! When i try online it said I need to go login into my old account from XXXX years ago. The phone number and email listed are both INVALID. I have called three times attempting to get this fixed. Every time they say they can not send me a code to my current number and someone from the risk team will call in 2 days. Well it's been 2 weeks and no one has returned my phone calls. Today I spoke with XXXX XXXX, who claimed this team cleared the cases but could not call me because of the hurricane, then she proceeds to try to send me a code and she still can not send it. I sat on the phone for 20 mins as she reached out to the " special '' team and then she came back and said i could hold or call back later.. Then she comes back and says they need to create another case. Like why should I have to call back? Your customer service SUCKS. YOUR BANK SUCKS!

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 2024-10-02 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: GA

Complaint narrative:
Experian still showing an account CLOSED in XXXX. Account should be closed. XXXX is now XXXX and yet the account ins't closed.

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