vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Complaint Regarding Lack of Customer Service and Refusal to Provide Documentation Dear Sir/Madam, I am writing to formally file a complaint regarding the poor customer service I experienced with IQ Data International, Inc. on XX/XX/year>, at approximately XXXX XXXX. I am extremely disappointed with how my concerns were handled during and after my interaction with your staff. 

During the call, I requested a detailed invoice to address a reported debt. Instead of receiving assistance, multiple employees abruptly dismissed my request, stating, " Have your attorney contact us, '' before ending the call. Such a response was both unprofessional and dismissive, and it left me without the critical information I was seeking. 

When I attempted to follow up by phone and requested to speak with a supervisor, my calls were repeatedly transferred to other employees without resolution. It is highly concerning that a company would refuse to provide necessary documentation or a detailed invoice regarding a debt. This lack of transparency and refusal to address customer concerns is unacceptable and does not align with standard business practices. 

I am formally requesting the following : 1. A detailed invoice or documentation regarding the reported debt.

2. A clear explanation for why my request for documentation was denied.

3. Assurance that your customer service protocols will be reviewed and improved to prevent such incidents in the future. 

As a consumer, I have the right to access information regarding any debt attributed to me, and I expect IQ Data International , Inc. to adhere to ethical practices and relevant federal regulations, including the Fair Debt Collection Practices Act ( FDCPA ). Failure to provide documentation or adequately address my concerns may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, or pursuing legal remedies.

I would appreciate a prompt response to this matter and expect to receive the requested documentation within 14 days of the date of this letter. You may contact me directly at XXXX or XXXX if you require additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Hello, I have listed all the agencies I have reached out to but was only able to put in one name in the next set of questions I have copied and pasted what exactly i said to these agencies if you can please investigate WHICH IS SOMETHING XXXX HAS NEVER DONE OR TRANSUNUION ID APPRECIATE IT I've been trying to resolve these issues for a while to no avail I have been a victim of identity theft unfortunately from my biological mom whose name is similar to mine I wasn't raised by her and need your help because XXXX especially has her name addresses etc. and so does a lot of agencies so if y'all can remove her names and addresses as well id appreciate it my name address and info is included in this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ( XXXX ) XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TEXAS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 




To whom this may concern, It has come to our attention that I have a charge off on my account with you and it is still yet on my credit report that has been updated since XX/XX/XXXX. That is a violation of the credit Reporting Act according to 15 USC 1692 G, 15 us code 16815-2, 15 us code 1681i, 15 us code 1681iaap Please verify the debt with PLEASE VERIFY IF THERE HAS BEEN ANY INSURANCE CLAIMS FOUND ON THIS DEBT Please verify the chain of title to collect on this debt I give you 30 days from the date this letter the date of this letter is XXXX is received to verify the above-mentioned\ request to receive a debt validation claim under and other verifying factors mentioned above according to 15 USC 1692G. If the item is not removed off my credit report i will sue for statutory damages I also ask to receive my 1099 in regard to this charge off please if this has not been executed i will be forced to take legal action for fraud Best regards, XXXX XXXX this is what i sent to the agency and collection companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2025-01-28 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: Block, Inc.
State: NJ

Complaint narrative:
Back on XX/XX/year> a transaction was made from a stolen phone in the amount of {$860.00} to an ex boyfriend. I explained that my phone was stolen and I had a new one ( in my possession and still use it for cash app to this day ) Cash app seems to think that because my new phone was in my possession, I made that particular transaction- I DID NOT NOR DID I AUTORIZE IT. while I have made other transactions with this person, those were authorized, the above transaction was not made by me!!

I have a police report stating that my home was robbed and the phone was taken which had all of my banking apps on it. 

I am asking that this get re looked at as it fell on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute for Immediate Removal of Fraudulent Information Under Section 605B Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report that has resulted from a data breach in which my personal information was exposed. This information must be removed in compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires the removal of fraudulent information within four business days.

The fraudulent items that need to be removed from my credit report are as follows : XXXX XXXX Account Number : XXXX, Fraudulent account opened in my name after the data breach. 
XXXX. XXXX XXXX XXXX, Account Number : XXXX, Fraudulent account opened in my name after the data breach.

To support my claim, I have enclosed the following documentation : A completed Identity Theft Report, as required under Section 605B.

A copy of my government-issued ID for identity verification purposes.

Police reports, FTC Identity Theft Report I emphasize that this dispute is not to be treated as a standard 30-day reinvestigation process. Under Section 605B, Experian is required to block and remove any fraudulent information resulting from identity theft within four business days upon receipt of this dispute and supporting documentation.

Please confirm receipt of this letter and respond with a written confirmation of the blocked information. Failure to comply with this request will leave me no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau and pursuing further legal remedies as necessary. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, 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 2025-01-28 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: FL

Complaint narrative:
Under 15 USC1692G Everything being reporting on these companies is incorrect and I am demanding they must removed. I have disputed these accounts multiple times and I have Never received any validation on any of them. I also noticed the dates on all debts states last payments were on XXXX  yet XXXX and Transunion have not removed them from my account. I also observed that all the accounts have been sold to another lender therefore I no longer owe this debt to any of these accounts and must be removed by FCRA laws. XXXX XXXX accounts to include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed as well. XXXX XXXX. Please remove. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bank remove. all of these accounts have not been removed from credit report as requested. XXXX AND transunion have failed to do their jobs. And mostly all say last payment XXXX it has been over 7 years old and never validated all sold debt to another lender. These accounts SHOULD NOT BE ON MY CREDIT REPORT. REMOVE 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 non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
Under 15 USC1692G Everything being reporting on these companies is incorrect and I am demanding they must removed. I have disputed these accounts multiple times and I have Never received any validation on any of them. I also noticed the dates on all debts states last payments were on XXXX yet XXXX and XXXX have not removed them from my account. I also observed that all the accounts have been sold to another lender therefore I no longer owe this debt to any of these accounts and must be removed by FCRA laws. XXXX XXXX accounts to include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed as well. XXXX XXXX. Please remove. XXXX PLEASE REMOVE. XXXX XXXX REMOVE, XXXX XXXX remove. all of these accounts have not been removed from credit report as requested. XXXX AND XXXX have failed to do their jobs. And mostly all say last payment XXXX it has been over 7 years old and never validated all sold debt to another lender. These accounts SHOULD NOT BE ON MY CREDIT REPORT. REMOVE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MS

Complaint narrative:
Experian has failed to fulfill is legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian has neither corrected nor removed disputed item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputes accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-28 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: Block, Inc.
State: MS

Complaint narrative:
I had a square business account to accept and process payments for my business. Last week I took a payment. They froze my account and had me ti verify. After verification they told me my account was back to normal and I can take payments again and send money out. An hour later I received a payment and they closed my account and holding my money 2hours after they said I can do so. I I need my money. My name is XXXX XXXX XXXX my email is XXXX. My business is XXXX XXXX XXXX XXXX. I provide XXXX XXXX XXXX XXXX XXXX across the us. Please help sort this out The time stamps in the attachments shows that my account was verified and was marked normal to take payments, and as soon as I received payment the deactivated my account and held my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have constantly told them that this was not only over 4 years ago, but I paid the rent for the two months while I was there and had to move back to XXXX Texas because there was no work there for me during this Covid devastation. They don't care. I accidentally clidked on an incorrect rent portal this past XXXX, XXXX to pay my current rent and found this old place. Every since then, The XXXX collection agency has been thratening me with emails to pay a COVID existed debt when I was let out of my lease in XXXX. I have been in this same apartment since. As a matter of fact, my lease began XX/XX/XXXX and it is currently XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 Equifax Dispute Department, I am writing to formally dispute the following accounts, which have been incorrectly attributed to me and are not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened or reported without my authorization and do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request an investigation. 

I kindly request that Equifax investigate these accounts and remove them from my credit report. Thank you for addressing this matter promptly. If you require additional documentation or information, please contact me directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Explanation : " Absolute Resolutions Investments is inaccurately reporting an account ( Account # XXXX ) with a 'Date Opened ' of XX/XX/XXXX, even though the original delinquency occurred before XX/XX/XXXX. This misrepresentation makes the debt appear newer and more collectible than it is. Under the Fair Credit Reporting Act ( FCRA ), negative items can only remain on my credit report for 7 years from the original delinquency date. I dispute this re-aging of the debt and request validation of the original delinquency date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation