vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
My credit information was used in a data breach. How do I get removed 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 2025-01-06 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.
State: PA

Complaint narrative:
My credit information was used in a data breach. How do I get removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed by a CashApp user who used my old phone without authentication to send money to their CashApp account.

I reported it as a scam/fraud to CashApp. I provided them with the scammers ID, which is two different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Asset Recovery Bureau LLC
State: FL

Complaint narrative:
My Journey with XXXX and Consumer Rights Life often brings unexpected challenges, and for me, one of the most difficult periods was when I became homeless. During this time, I was unable to continue making payments on an invoice with XXXX. While I understood my responsibility and intended to resolve the matter once my situation stabilized, the account was sold to a collection agency without my knowledge or consent. 

The first time I learned about this new development was when the collection agency contacted me. To my surprise, I had never received a validation letter or any formal notification that the rights to the account had been transferred. This lack of communication left me uncertain about the legitimacy of the claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, companies are required to provide clear and timely notification when an account is sold to a third party. This validation letter ensures transparency and gives consumers the opportunity to verify the legitimacy of the debt and the new company. Without this critical step, the account 's validity comes into question. 

Since I was never informed or given the chance to validate the claim, I do not recognize this new company or their right to collect on the account. Consumer protection laws are clear : debts transferred without proper authorization or notification are not enforceable. 

In light of this, I firmly believe that this collection agency should close the case. I can not authorize or recognize a company with whom I have had no direct agreement or communication. My priority is to resolve this matter fairly and in compliance with the law, but I also believe it's essential to hold companies accountable for respecting the rights of individuals, especially during vulnerable times in their lives. 

This experience has reinforced for me the importance of understanding and exercising our consumer rights. It's a reminder that we, as consumers, have the right to be treated with fairness, dignity, and transparency, even during the most challenging chapters of our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PR

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Immediate Action Under 15 U.S.C.

1681 Dear Sir/Madam, I am writing to formally dispute the inaccuracies and/or fraudulent information appearing on my credit report. Under 15 U.S.C. 1681, specifically the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information on my credit file is accurate, complete, and verifiable. The inaccurate entries on my credit report are a clear violation of my rights under this statute, and I demand immediate action to correct or remove these items. 

The following items are disputed : [ List disputed items ] - XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) These entries are either inaccurate, unverifiable, or incomplete, and I require that they be thoroughly investigated in compliance with 15 U.S.C 1681i. As per this law, you are required to complete a full investigation of these disputed items within 30 days and notify me of the results.

If the creditor or reporting party can not substantiate these entries, or if they fail to provide sufficient evidence of their accuracy, l expect the immediate removal of these items from my credit report. I am fully aware of my rights under 15 U.S.C. 1681i, and I will not hesitate to take further action if you fail to act within the required time frame. 

If this matter is not resolved promptly, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and I will pursue all legal remedies available to me, including potential litigation for any harm caused by your failure to comply with the law. 

I expect your office to investigate the discrepancies, update my credit report accordingly, and provide me with written confirmation of the resolution within 30 days. Failure to do so will not be tolerated, and I will hold your agency fully accountable for any damages incurred as a result of your inaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: NY

Complaint narrative:
The company stole most of my money. Over the phone the balance was confirmed to be around {$4900.00} but they sent me a check for a little over {$2200.00}... The bank has provided no reason for seizing over half of my funds or gave me anyway to reclaim them or any further information. 

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602, states i have the right to privacy 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b. A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late payment for any purpose. Please remove this late payment immediately as you are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor XXXX XXXXXXXX and Flagstar Bank has violated my rights under 15 USC 1681 section 602, states i have the right to privacy 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b. A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late payment for any purpose. Please remove this late payment immediately as you are violating the law.

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 2025-01-06 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i have given this company the amount of days needed accordingly by law i am a victim of the equifax breach ive previously reported this along with the proper documentation supporting this and the company responds by asking for the exact information already supplied i have documented me sending this through mail with a return receipt requested with the following items int the package as asked for redundantly : proof of address proof of identity and proof i am a victim along with a copy of my ssn. this information was sent in PREVIOUS CFPB COMPLAINT 30 DAYS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
The company is called portfolio recovery associates. They started contacting me in XXXX of XXXX about a debt that is past the statute of limitations for collection. The debt in question is a credit card from XXXX XXXX. The debt is from XXXX. They have threatened to damage my credit. They have threatened to take me to court. They have threatened to have a lien placed against me. I have repeatedly told them that the debt Is past the statute of limitations. But they continue to call me. They call and won't identify themselves on the phone. They just keep asking is this XXXX XXXX. I tell their automated system that this is not the person that they're looking for. And they keep calling back. I have sent them a cease and desist letter and they still continue to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
Back in XXXX I was affected by a Equifax data breach settlement and my identity was presumed to be stolen. According to Consumer Law 605B, if there are any items that are proven to be fraud, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
Back in XXXX, I was affected by a XXXX data breach settlement and my identity was presumed to be stolen. According to Consumer Law 605B, if there are any items that are proven to be fraud, it must be deleted 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 2025-01-06 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: IN

Complaint narrative:
KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
multiple auto loan inquiries and credit card inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries 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 2025-01-06 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: FL

Complaint narrative:
multiple auto loan inquiries and credit card inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
multiple auto loan inquiries and credit card inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I sent in XXXX checks, over XXXX months ago to Shellpoint Mortgage Services, {$2300.00} and {$4900.00} that I had received from XXXX XXXX  for water damaged that occured in XXXX to have them endorse these checks to send back to me to help pay for water damage. I had XXXX quotes for repairs, one quote for $ XXXX and one for $ XXXX. I went with the lesser of quotes. Shellpoint insisted that mywife and I endorse these checks prior to sending them in and inturn they would endorse them and send back to me. I have yet to get these checks back. I have sent in a waiver of XXXX from repairs from lesser quote and now Shellpoint is asking me to send in waiver of XXXX from repair quote $ XXXX that I never had them to repair. To say the least this repair company never replied to my request. Shellpoint eeven sent someone to photo my finished repair work. Every time I call Shellpoint they are asking for more documents which I always send to them. I get an emaol back that they would review these documents and reply back with days of receiving and I never hear from them. If I don't chase them I never know what is happening with my to be returned checks. When I call them and ask for management I'm onhold for close to one hour and they just hang up. To say the least after XXXX months of calling Shellpoint and no returned checks .... PLEASE HELP THANK YOU

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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I told customer service I couldnt move due to an injury I had there was also a purchase in XXXX XXXX  where I know I was no where near I lost my wallet pin was inside and written on the debit I called immediately and told them where I was I had proof of me being home and they simply said I would just have to wait so I did and they said because it was authorized pin but I simply told them i needed the help to somehow get the refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
These accounts are reporting fraudulently, please remove the 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 2025-01-06 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: VA

Complaint narrative:
These accounts are reporting fraudulently, please remove the immediately.

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