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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX XXXX. XXXX, 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXXNavy Federal Credit Union** Dear Sir/Madam, I am writing to formally file a complaint regarding the handling of my accounts, specifically related to the closure and ongoing hold of my account due to an alleged **security issue**. My account has been held for an **unreasonably extended period of time** without resolution or clear communication, and I have not received any updates for over XXXX XXXX. 



Below are the details of the situation : - **Account Number ( s ) **Everyday checking XXXX XXXX XXXX checking XXXX Membership savings XXXX Savings XXXX **Date of Account Closure/Freeze* ( XXXX ) Issue Described by Navy Federal** : " Security Issue '' - **Current Status** : Account is closed, negative balance, and funds ( approximately ** $ XXXX ) are still being withheld.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, my credit card had a extra credit for XXXX $ which showed as being transferred ( dont know where ). I raised a complain with the bank which said it should be credited to checking 's account in XXXX business days. This transfer was without my consent or knowledge. Until I noticed this transaction there was no notification from the bank. Moving forward XXXX  days there was still no action.

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 monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to the recent notification from Firstsource Advantage , LLC indicating that my account has been returned to your office for further handling. This matter involves significant legal violations that need immediate attention to avoid further escalation. 

Legal Violations 1.Failure to Provide Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, I am entitled to full validation of the debt, including the original signed agreement, itemized breakdown of the charges, and proof of legal assignment or sale to any third-party agency. Neither Afterpay nor Firstsource Advantage , LLC, has provided the requested documentation. 
2.Improper Reporting of Disputed Debt If this debt has been or will be reported to any credit reporting agency, doing so without proper validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ). As of this communication, the debt remains disputed, and no further reporting is lawful. 
XXXXNegligence in Assigning Debt XXXX  decision to place this account with a collection agency without prior validation or notice to me demonstrates negligence and non-compliance with the FDCPA and XXXX XXXX XXXX Standards. 
XXXXEmotional and Financial Harm The mishandling of this matter has caused undue stress and forced me to spend significant time and resources addressing these violations. This situation could have been avoided had XXXX followed the required consumer protection laws. 


Potential Litigation and Costs If XXXX fails to comply with this demand, I will have no choice but to escalate this matter. This includes : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 
Pursuing a federal lawsuit seeking statutory damages of up to {$1000.00} per violation under the FDCPA and additional damages under the FCRA. 
Initiating arbitration or legal proceedings, wherein XXXX will be responsible for arbitration and legal fees. 

Case law, including XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ), underscores the legal precedent for holding companies accountable for violations of consumer rights. 

Deadline for Response You are hereby given XXXX business days to respond to this letter with the requested documentation and a resolution proposal. Failure to do so will result in immediate legal action and formal complaints to the appropriate regulatory authorities. 


Thank you for your prompt attention to this matter. I look forward to resolving this issue in a manner that upholds my consumer rights. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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: Block, Inc.
State: CA

Complaint narrative:
The company cash app closed my account for no reason and I was charged multiple un authorized transactions and I would report and file a dispute and they wouldnt fix anything and there was never a live agent during the times of the transactions which lead to me not being able to report with a live agent to get the problem fixed XXXX XXXX  Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Sending money thru bill pay on line money not being received by mercahnt altho taken out of my account. Wells Fargo can not provide proof or tracing of checks sent. No resolution happening to many of my online creditors including XXXX XXXX car loan payment and now my property manager from XXXX XXXX and XXXX Money is out of my account but was not received on their end. No payment history available to prove it cleared. 
Check bill pay on XXXX XXXX XXXX {$680.00} made out to XXXX XXXX Check sent XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX  They take this out of my account the day I write it wait XXXX  days and then send it and it is not being received or cashed. XXXX shows no tracer or proof. Have spent hours on the phone no resolution. 

I had a {$1000.00} check sent thru bill pay on XXXX XXXX XXXX to XXXX XXXX XXXX. Spent hours on phone no resolution after weeks of researching they could not find it and put it back in my account. I believe there is some suspect activity and want this resolved asap. Thanks.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I use Chime Banking and unfortunately I was part of a scam and lost {$2500.00}. The send a text looking like it's from Chime that there was potential fraud asking if you purchased a certain amount at a certain store. If you respond " XXXX '' they call you to get resolved. They sound very professional using agent numbers for example and they are from the Chime fraud department. They make it sound it's urgent to get resolved because there were multiple transactions attempted XXXX, XXXX. They asked me if I knew XXXX XXXX. I said no and never heard of him. The scammers state that they need to document the amounts so they walked me through the process which was to pay using my name and XXXX to send {$1100.00} & {$1300.00}. XXXX '. They stated the funds will return once the fraud department receives it. I had no idea and was panicking about my account being hacked as to why I complied. I then called CHIME and spoke with a representative and asked them if my accounts shows fraud and communication with their fraud department and they stated no. I explained what just happened and told them to stop the XXXX transactions asap! They said they couldn't do that. They also asked if I was aware of the XXXX scam. I told them I never heard of it. CHIME obviously knew about the scam, but they never notified their customers. I never received any type of communication from CHIME warning me of this scam. I have the phone numbers, texts and a name, and location saved from the scammers. 

TEXT # 's : XXXX AND a text from XXXX XXXX XXXX ( location XXXX  and said he joined in XXXX ). 
PHONE CALL # : XXXX ( XXXX XXXX XXXX XXXX  )

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN removed collections/ deleted from my credit report only to have them reappear later to negatively impact my credit score and credit report. XXXX failed to investigate collections before placing them on my credit report or they would have saw that the same collection is being reported twice and reflecting my credit report to have XXXX derogatory marks. Therefore my credit score dropped significantly and has caused me personal distress and anxiety due to having to find resources to justify EXPERIAN wrong doings.

As you will see in the files uploaded below the same collection is being reported twice on my credit report reflecting a negative impact on my credit score

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: Problem with fraud alerts or security freezes — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX  for XXXX dollars. I requested proof of ownership to the account i am unaware of what it is. Opened XXXX XXXX XX/XX/year> set into collection I requested for more information on the collection because some information is incorrect, there was a breach in my confidentiality they have called harassing me yet none of the information i requested has been sent

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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.The following inquiries were not authorized and should not be reporting. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The accounts below have violated my rights. XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C XXXX ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
False charge from company claiming I purchased hearing aids in XXXX. I never ordered nor received any items from that company. I had never even heard of them prior. Ive asked for the proof they claim to have but Ive never received anything from them.

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 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
All money that was investing into bitcoin scam claiming they were the XXXX XXXX XXXX. They been contacting me to send money through cash app from XXXX. I will provide the last email they sent me in XX/XX/year> down below. 

How are you doing today i hope you are doing great, we got an information from the bitcoin company which you invested in, they explained everything to our service about how you have invested so much money with them and yet you havent received a profit, they said each time your profit is been transferred to your cash app you dont receive it and now they have rectified the whole issues.the reason why your profit didnt get into your cash app was because your the money was suppose to be transferred into a portfolio Bitcoin account first and now your profit has be sync to the portfolio account and now you can receive it into your cash app, the company want you to unblock them on XXXX  and claim your profit without paying any money trust me, even if you dont trust anybody you can trust the tax service we wont lie to you.I will send you a screenshot of your profit in your portfolio account created with your details for you to see all that I am talking about.

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: Atlanticus Services Corporation
State: AZ

Complaint narrative:
XXXX has provided me with a home security system, including equipment and service. XXXX has given us a 30 day trial period and notified us that the equipment payment will be part of the service payment. XXXX failed to notify us that another organization and bank, XXXX will hold this line of credit and this was not consented to. XXXX also reran credit at a later time for a retail credit card without consent. XXXX was first contacted and notified me it's not their issue. XXXX was contacted following this stating they are not informed about the credit card being opened under my name and informed us that I should've been informed about the line of credit given to XXXX. I was not informed about XXXX the line of credit, the credit card, APR, or anything involving either of the financing of the equipment and it's plan, or the credit card being opened under my name.

Company public response: Company believes it acted appropriately as authorized by contract or 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
I have tried to reach some one to discuss a charge to my account but i only get the chat option. i have had numerous charges made at a local convenient store that are not mine

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: TX

Complaint narrative:
My identity was breached in the equifax data breach. im filling this under the FCRA 605B ( 15 U.S.C. 1681C-2.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The inaccurate information is negatively affecting my credit profile, and I request that it be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Error : " This account is inaccurately reported as Collection, however, I have no knowledge of this creditor or account for the amount of {$680.00}. Reported opened XX/XX/year>. 

Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of this matter and remove or correct any inaccurate, incomplete, or unverifiable information. Please provide me with a written response confirming the results of your investigation. 


If the disputed item can not be verified, I request its immediate removal from my credit report. Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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: 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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