vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2500.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a text message on my phone on XX/XX/year>, with a URL to access the debt collection letter.

So, now, I am writing to inform you that the balance of {$100.00} associated with XXXX ( creditor ) has been resolved due to a billing error. This issue was formally reported to the Federal Communications Commission ( FCC ), and XXXX confirmed that the balance was made XXXX on XX/XX/year>. XXXX has also stated that they will report this update to you within 30 business days.

Given that this matter has already been resolved, I request that your records be updated accordingly and that any further collection attempts regarding this account be discontinued.

Furthermore, if this debt has been reported to any credit bureaus, I ask that it be removed from my credit report once you receive the updated balance.

Please provide written confirmation that this matter has been resolved in your system.

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 2025-01-31 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: NY

Complaint narrative:
I am submitting this formal dispute regarding an inaccurate XXXX late payment being reported on my credit report by XXXX XXXX  ( Account # XXXX ). Upon reviewing my consumer reports, I identified this error despite consistently making on-time payments on this account. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e to ensure that only accurate and verifiable information is reported. 

Disputed Information : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : XXXX late payment Reason for Dispute : I have never missed a payment on this account, and this information is inaccurate Request for Investigation : Pursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I request a formal reinvestigation into this matter. Under the law, XXXX XXXX and consumer reporting agencies are required to verify the accuracy of any disputed information or promptly correct/remove it if verification is not possible. 

I hereby request : Verification of the alleged late payment : Please provide supporting documentation, such as my billing statements and payment records, to substantiate this claim. Immediate correction : If XXXX XXXX can not provide verifiable proof that I was late, I demand that this false late payment be removed and my account status updated accordingly.Notification of correction : Upon resolution, please provide written confirmation that my credit report has been updated. 
Additionally, I request that the CFPB oversee this dispute and ensure compliance with FCRA standards. Reporting inaccurate information harms my creditworthiness, and I expect this matter to be rectified in a timely manner, as required by law to reflect " Current ''. 

I have attached supporting documents ( such as proof of on-time payments ) to aid in your investigation. If you need further information, please contact me at your earliest convenience.

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 2025-01-31 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: NJ

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : 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 2025-01-31 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-31 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX. XXXX  XXXX  XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$230.00} XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
This is XXXX XXXX with new and updated information about my last complaint ( XXXX ) before I commence litigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has willfully failed to comply with 15 USC 1692c ( b ) for the third time which is a statutory violation pursuant to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ). Although from the XXXX XXXX, this case also addresses issues relevant to the XXXX XXXX 's treatment of debt collection communications under the FDCPA. It stresses that debt collectors may only report to credit bureaus if the consumer has provided consent, and if they report without consent, it can be a violation under 15 U.S.C. 1692c ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Customer Financial Portection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with errors resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Dear CFPB, I am filing a complaint against Equifax, XXXX, and XXXX for failing to conduct a proper investigation of disputes I submitted regarding inaccurate information on my credit reports, as required under the Fair Credit Reporting Act ( FCRA ). 

Here are the details of my complaint : I identified inaccurate information on my credit reports from Equifax, XXXX, and XXXX, including [ briefly describe the inaccuracies, such as incorrect account details, balances, or inquiries ]. 

On XX/XX/year>, I submitted disputes to all three credit bureaus via XXXX mail, providing documentation to support my claims. However, I do not believe they conducted a reasonable or thorough investigation. As many of my disputes the original company violated GA law. 

The failure to correct these inaccuracies has caused me significant harm, including unable to obtain employment, transportation, housing, and insurance. 

I am aware of ongoing concerns and lawsuits regarding credit bureaus failure to comply with the FCRA, and I believe my experience reflects a broader pattern of negligence. 

I am happy to attach copies of my credit reports, dispute submissions, and any correspondence with the credit bureaus to support my complaint. I request that the CFPB investigate this matter and ensure that Equifax, XXXX, and XXXX fulfill their legal obligations under the FCRA by conducting a proper investigation and correcting the inaccuracies on my credit reports. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I keep receiving mail for Advance America for a person that is deceased. 

XXXX XXXX is the name of the deceased person. Advance America keeps sending unsolicited mail to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
on XX/XX/year> I received notification from PayPal that I needed to upload various types of information for unknown reasons to prove my identity. I have been a customer and online seller using PayPal for over XXXX  years. I did upload to there portal my last years tax return for my business which matches all current business information they have. 
I received a reply that they need more information like my social security number in the form of an actual image of my social security card which I don't have. Since the business I operate is a partnership with my wife, my social security number has nothing to do with proving my identity. 
I have not used PayPal as a service since XX/XX/year> and after XXXX  days of an inactive account they should have released the remaining funds to my bank account on record, the same XXXX for XXXX  years. 
Last week I requested to close my account. They responded that I have to first prove my identity than they can close my account and will not release my funds of approximately {$2200.00} till then. 
I believe PayPal keeps customers in an endless loop of customer online XXXX to keep customers money till they give up. This is extremely poor customer service and must be illegal to withhold funds even when the customer wants to close their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
Credit Karma is reporting inaccurate information on my credit report and failed to investigate collections before putting them in my credit report. 
XXXX credit report via Credit Karma is reporting the same collection twice on my credit report and cause my credit score to drop significantly.

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 2025-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This company sold my account after stating it was a charge account. Having a third party also reporting to the credit bureau. Making my credit report have a double of the same account and with different amounts. I did not give permission to any third parties to get a copy of my credit report. This was done illegally according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: NM

Complaint narrative:
On XX/XX/XXXX I reached out to the Dave XXXX XXXX to let then know my email had been changed on there app without my consent. Again in XXXX I let them know my account information was being changed without my consent. I was told to change my password, which I did. They also told me that they were unable to log out any devices that may still be logged into my account. 
On XX/XX/XXXX I had an unauthorized transaction occur in the amount of XXXX Over the next 2 days my contact information was changed over XXXX times, they should have records of this. I would change my information and someone unknown would change it back to theirs immediately, until I was told the information had been changed too many times and it was left on the unknown persons address, phone and email. It was a banking holiday and out of fear of further theft and frustration I closed the account. 
I reported the unauthorized transaction to the institution the same day it occurred. I also put a fraud alert on my credit report and froze my report with all 3 agencies. I reported the transaction to the institution that the transaction was sent to.

DAVE first said they were not opening a dispute because I closed the account. After explaining why they said they opened a dispute. When I informed them I never recieveed the dispute form they told me that I had told them I didn't want a dispute. Leading me to believe that, evem though I told them my account had been hacked and gave them my contact information, they sent the dispute form to the email the hackers put into my account. 
Now they refuse to reopen a dispute, even though I never recoeved any information about the dispute. They are stating I need to resubmit new evidence, such as a police report. There data should show my complaints from XXXX and XXXX and show that my information was changed numerous times on the date the unauthorized transfer occurred. I gave them ample warning that my account had been taken over by an unknown person and they did not act to prevent the people from being locked out of my account leading to the unauthorized transaction. I have never done buisness with the account the money was sent to and I have sent DAVE copies of all the things I filed afterwards. 
We have sent over XXXX emails and it seems they are closing to go with the unknown persons request to close the dispute rather than my account, the true account holder.

Company response to consumer: Closed with explanation