vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: Possible Financial Inc
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off listed on my credit report for the following account : Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] Charge-Off Date : [ XXXX XXXX ] XXXX of 1099-C Compliance ( IRS Requirement ) Under IRS regulations ( XXXX XXXX XXXX XXXX XXXX XXXX creditors are required to issue Form 1099-C for canceled debts of {$600.00} or more. Since this debt was charged off in XXXX XXXXnd I have not received a 1099-C, the debt may not have been legally canceled, or the creditor has failed to comply with IRS reporting rules. Therefore, the accuracy and legal status of this charge-off are questionable.

2. Fair Credit Reporting Act ( FCRA ) Violation According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reports must be accurate and verifiable. If the creditor has written off the debt and has not issued a 1099-C, then it is unclear whether they consider the debt fully canceled. If the account can not be verified with complete and accurate records, it must be removed from my credit report. 

3.Failure to Validate the Debt ( FDCPA Violation, If Applicable ) Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), if this debt has been sold or transferred to a third party, I have the right to request full validation. If the debt has been sold, the original creditor should not continue reporting it as a charge-off. If no valid records exist, this charge-off must be deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-03-05 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I discovered on the weekend of XXXX that a Merchant who I had known for XXXX years and had done business in the past, had scammed me and a few other people for the same high end Rolex watches which ended up not existing. 

I made the complaint to XXXX, local police department, and to Chase Bank. When I explained the situation to Chase, there was a language barrier with the Chase Representative. I mentioned how I had just been a victim of a scam, where the merchant is committing fraud by deceiving unknowing customers into paying for watches that do not exist. She proceeded to open up a fraud investigation. I never denied authorizing payments from my credit card. At the conclusion of the investigation, I was told it was not fraud, due to bank terms what happened to me was a dispute and not fraud. I file a dispute claim XXXX weeks later when the fraud investigation concluded. After uploading all of my evidence including text messages and photos, the bank is still holding me responsible due to them going through a fraud investigation first, meanwhile I never asked for a fraud investigation, I was given a fraud case opening after speaking with the people at Chase. 

The payments were : XXXX XXXX for {$14000.00} on XX/XX/year> XXXX XXXX for {$7400.00} on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
There is a unpaid debt in the amount of {$330.00}, posted to my XXXX Credit report from Credit Collections Service -- I do not owe. The debt collector purchased this fraudulent debt from XXXX XXXX. I emailed XXXX XXXX in XXXX 2023 and called the credit collections agency to proved any proof that I owe this amount or even what this was for and they were unable to do so. I then disputed the claim XXXX times with XXXX and each time it was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-05 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The inaccurate item in question is reported by " XXXX '' and does not meet the standards of accuracy, completeness, and verifiability required by federal law. 
The disputed account details are as follows : Creditor Name : XXXX Dispute Grounds : Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Under FCRA, credit reporting agencies must adopt procedures to ensure maximum possible accuracy of reported information. The reported balance, account status, and date of last activity appear inconsistent and unverifiable.

Failure to Properly Investigate Upon Dispute ( 15 U.S.C. 1681i ( a ) ) Credit bureaus are required to conduct a proper reinvestigation of disputed items. I demand a full validation of this account, including original documentation from the furnisher proving its accuracy. If such documentation can not be provided, the account must be deleted immediately.

Unverifiable Information Must Be Deleted ( Cushman v. TransUnion, XXXX XXXX XXXX, XXXX XXXX. 1997 ) This case established that credit bureaus must do more than rely on automated responses from data furnishers. If the accuracy of this item can not be substantiated, it must be removed from my credit report. 


Reporting of Inaccurate Information Constitutes Defamation and Negligent Enablement of Identity Fraud ( FCRA XXXX U.S.C. 1681o, 1681n ) If this account is not mine, or if it has been inaccurately reported, continued reporting may be grounds for legal action under both the FCRA and relevant state defamation laws.

Request for Immediate Action Conduct a proper reinvestigation and provide me with copies of any documentation used to verify this account.

If the account can not be verified with original creditor documentation, remove it from my credit report.

Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with these legal requirements within the statutory 30-day period will result in further action, including complaints filed with the Consumer Financial Protection Bureau XXXX CFPB ) and potential legal proceedings. 
I expect a response within the time required by law. Please send all correspondence to my mailing address listed above.

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 2025-03-06 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 Section 602 it states I have the right to privacy. 15USC1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-03-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX  Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-06 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Freedom credit card and received it XX/XX/year>, it offered 0 % intro APR for the first 15 month of the balance transfer. That is the statement on the Card Member Agreement. It does not include or exclude any credit card.

When I tried to do the balance transfer I was told I was unable to transfer a balance from a XX/XX/XXXXChase Credit Card to a Freedom Chase credit card due to both being Chase.

I applied for this card due to the rental car agreement it provides, it makes no difference to me who the bank behind the credit card is. 
It should be stated very clearly if there are restrictions on credit cards that are not applicable to this offer. This is an inconvenience and causes stress for my plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report was included in a data breach with XXXX and my employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, NC. According to FCRA law I have the right to dispute errors, inaccuracies, and protect my credit from unfair practices.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed a claim on XX/XX/year> and the claim just got denied today as of XX/XX/year>, I disputed it because I was charged a lot for shipping which was unreasonable.

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 2025-03-06 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: SC

Complaint narrative:
My private information was compromised and data breach incident involving XXXX XXXX XXXX. I am also a victim of identity theft

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 2025-03-06 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: SC

Complaint narrative:
My private information was compromised and data breach incident involving XXXX XXXX XXXX. I am also a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is not my debt. I will send all the information to this credit company, and they will send it to another collection agency. I was in prison when this debt was established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on 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