vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has XXXX  my XXXX  condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : XXXX. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

XXXX. Legal basis for collection. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Signed contract or agreement proving the debt. 
XXXX. Full account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: KY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
Unauthorized items on credit report XXXXXXXX XXXX in the amount of {$1600.00} XXXX XXXX  in the amount of {$1600.00} Credit Line in the amount of {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
XX/XX/year> I went to view a car but had no intentions of buying nor did I want my credit report ran the rep took my id and did such without my authorization or permission Im asking this account from Sensible Auto be removed from my report as this inquiry has hard my overall score please see this account be removed immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ( XXXX ) XXXX Hard inquiry from 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 2025-02-25 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XX/XX/year> : XXXX XXXX XXXX XXXX XXXX purchased custom XXXX XXXX directly from XXXX. Order was supposed to be delivered on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ] by XXXX. Never received item. XXXX XXXX XXXX XXXX  [ last couple of months ] XXXX said he gave package to person on the street claimed to be myself. Had talk with driver and said all packages should be delivered to address and not someone on the street. Apple representative on speakerphone heard the whole conversation on XX/XX/year> approximately at XXXX XXXX XXXX XXXX XXXX comes back to my residence after filing a claim with XXXX and calling my local dispatch to file complaint. 

Apple reluctantly said a replacement order would be sent after I suggested another carrier or to ship to store, as I don't trust XXXX and my current now regular XXXX driver. Apple said it can not make an exception and send by different carrier or by store per regulations that the order was to ship to residence. I told representative that I fundamentally disagreed with the answer and asked would a refund be best to start the process over again and choose to ship to store. That request was denied and a replacement order was order to ship to my residence with same carrier. 

On XX/XX/year> [ XXXX ] claims to have delivered package on the street claiming to be my domestic partner. Regular XXXX XXXX XXXX comes to my residence afterwards explaining what he did, despite us having a conversation on the XXXX XXXX XXXX XXXXXX/XX/year> to only give packages to me in person, as I will be there because I work from home. 

I wrote letter to XXXX XXXX XXXX XXXX  Apple , XXXX and was given to XXXX XXXX a member of Apple Escalation Team. After several phone calls of telling me to 'trust the process ' I received an email on XX/XX/year>, that Apple will not replace or refund the purchase. Received call from XXXX XXXX that message is just a formality and Apple will make good on promise and purchase. A day later XXXX XXXX claims that message is indeed true and there is nothing he could do for me. On Saturday, XX/XX/year> I filed a claim with Apple Card to dispute purchase. I am currently waiting for the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Target is HARASSING me with two to three phone calls DAILY. Which surpasses the Minnesota State Law of no more than seven calls within a seven-day time period. Aka the 7-in-7 rule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I recently looked at a copy of my credit report and I noticed an inaccurate account XXXX  XXXX # XXXX. According to the IRS a canceled debt ( charge off ) is a gross or ordinary income. An income does not get reported on a consumer credit report. This charger off is inaccurate according to 15 U.S.C. 1681e ( b ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I recently looked at a copy of my credit report and I noticed an inaccurate account XXXX  XXXX # XXXX. According to the IRS a canceled debt ( charge off ) is a gross or ordinary income. An income does not get reported on a consumer credit report. This charger off is inaccurate according to 15 U.S.C. 1681e ( b ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance {$490.00} XXXX XXXX*** Balance {$2100.00} XXXX XXXX XXXXXXXX Balance {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance {$490.00} XXXX XXXX*** Balance {$2100.00} XXXX XXXX XXXXXXXX Balance {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
My credit score keeps going down. I make my payments on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Equifax actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX account number XXXXXXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

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

Due to this breach and the impact it has had on my personal data, I am requesting that this issue be removed from my report and that my privacy be fully restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : Dispute Regarding Civil Liability Under 15 U.S.C . 1681o for Negligent Noncompliance** Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally dispute the civil liability imposed under 15 U.S.C. 1681o, specifically regarding allegations of negligent noncompliance with the provisions of the **Fair Credit Reporting Act ( FCRA ) **. 

It has come to my attention that your company has failed to adhere to the FCRA 's requirement to ensure the accuracy and completeness of my credit report. I believe that this failure constitutes negligent noncompliance under the law, as your organization did not take the necessary steps to ensure that the credit information maintained and provided was accurate, complete, and up-to-date. As a result, I have suffered harm, and I am requesting the removal or correction of any inaccurate or incomplete information reported. 

According to FCRA Section 1681o, liability can arise when a company fails to comply with any requirement imposed by the Act due to negligence. I respectfully assert that, upon review, your actionsor lack thereofindicate a clear instance of negligent noncompliance with the FCRA, as you did not take the required steps to ensure accuracy and proper handling of my credit file. 

To resolve this issue, I am requesting the following : XXXX. A thorough investigation into the disputed information and correction of any inaccuracies or omissions. 
XXXX. A written explanation of the steps your company will take to ensure full compliance with the FCRA moving forward. 
XXXX. A resolution of this dispute that removes any potential civil liability on my part. 

I am providing this letter as part of my efforts to resolve this matter amicably, and I respectfully request that you address this dispute in a timely manner. Please respond within 30 days from the date of this letter, as required by the FCRA. 

Should you fail to resolve this issue, I will not hesitate to seek the appropriate legal recourse, including reporting the matter to the Federal Trade Commission ( FTC ) and other relevant authorities. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 this violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2024 around XXXX XXXX  A transaction of {$2000.00} XXXX # XXXX Hit my account and quickly was released. 

XXXX XXXX approved online # XXXX XXXX released me the XXXX detail and I did not recognize this transaction. I did not authorize this transaction from my device. I reported it to Chase, closed out my Debit card and reported the fraudulent transaction. XXXX also had security surveillance in which police of XXXX was able to investigate. The Incident Report number is XXXX. I believe the debit card was cloned or copied without stealing the physical card. Its a process in which thieves use to copy personal information onto a new card or reformatted card allowing criminals to use it to make fraudulent purchases or gain access to a persons account. I was denied by chase protection and refund credit towards my funds. I did not have any fault in the crime. I demand my funds returned. I don't shop in the XXXX at XXXX, FL it is far away from my residence and I would not purchase this much groceries when I have a XXXX membership. Additionally, Security witnessed it was not me on camera!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
I have noticed multiple accounts on my credit report that I do not recognize. It seems that my identity may have been stolen, as I never authorized these accounts. I previously reported this issue, and I am now requesting their immediate removal. These unauthorized accounts are causing me considerable distress, as they do not accurately represent my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve key financial goals, such as buying a home and providing for my family. I urge you to address this issue as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
This is not my debt. i need full investigation to prove this is my debt. Im a victim of data breach id fraud. Plz remove this from my credit report its hurting my livelihood to take care of my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX shared information with unauthorized third party, Portfolio Recovery Associates XXXX 
XXXX XXXX, account charged off as of XX/XX/year>. Bank XXXX XXXX XXXX failed to provide an IRS Form XXXX. This is a direct violation of tax code as XXXX XXXX XXXXXXXX XXXX charged off account and received credit. 
XXXX XXXX XXXXXXXX XXXX is in violation of 15 U.S.C. 1681 ( FCRA Violations ) which covers improper credit reporting and unauthorized access to consumer data and 18 U.S.C. 1028 which covers identity theft and fraudulent use of personal information as a collection account was opened with out my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
The information is clearly incorrect. Ive been trying to have you guys & Experian to remove it

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