vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I was victim of identity theft and I need to immediate review all my upload support documents below. 

Please remove the following incorrect mailing addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following employment info from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following inquiries from my credit report Transunion : XXXXXXXX XXXX XXXX XXXX Please remove the following fraudulent account from my credit report : I XXXX XXXX Filing this adavit Complaint to report fraudulent accounts on my credit reports resulting from Identity theft. A collection Account under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand all this fraudulent Accounts be block and remove from my Credit report underPursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt CollectionPractices Act ( FDCPA ), FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2025-02-05 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: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX, SC XXXX Subject : Cease and Desist Demand Regarding False Debt Claim Dear LVNV Funding LLC : I am writing regarding the repeated collection notices I have received from your company concerning an alleged debt. I do not owe this debt, and I am formally requesting that you immediately cease all communication and collection efforts regarding this matter, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Details of the Issue Amount of Alleged Debt : {$1500.00} Date of Collection Notices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This debt does not belong to me. I have no knowledge of this debt, nor have I entered into any agreement or contract with the original creditor. I am disputing the validity of the claim and demand that your company cease all attempts to collect this debt from me immediately. FDCPA Violations Pursuant to the FDCPA, you are prohibited from : Attempting to collect a debt that is not valid or does not belong to the consumer. Misrepresenting the character, amount, or legal status of a debt. Contacting a consumer after receiving a written notice to cease communication. What I Am Requesting Immediately cease and desist all collection activity related to this alleged debt. Provide written confirmation that you will not contact me again regarding this matter. If you believe this debt is valid, provide written documentation verifying the original creditor, the amount owed, and evidence that I am responsible for this debt. Failure to comply with this demand will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to take legal action to protect myself from further harassment and damages caused by your attempts to collect a debt I do not owe. Legal Notice This letter is not an acknowledgment of the validity of the alleged debt, nor is it an agreement to pay. Any further communication from your company must be in writing. You are expressly prohibited from contacting me via phone, email, or any other means other than written correspondence. Please confirm receipt of this letter and provide a written response no later than 30 days from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> Chase bank closed my checking account ... {$2600.00} was still in my account when they closed it and they have not released my funds... I have called numerous times with the same results... they said they would know more once they can contact the maker of the check... they said they only verify checks by calling phone numbers... they said the maker of the check has to register there phone number with the Secretary of State and that is the only way they verify checks... The secretary of state said don't record phone numbers for any business on their records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : Dispute of Reinserted Account Request for Immediate Removal Dear Experian I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed.

Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
XX/XX/year> {$50.00} {$70.00} {$150.00} {$100.00} {$90.00} {$120.00} {$150.00} {$120.00} Grand total {$880.00} Tried to request these amounts back and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( Equifax, XXXX, and XXXX ). 

XXXX Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 

XXXX Credit freezes must be lifted upon requestwithin one hour if requested online or by phone.

I did not request that Equifax block my credit report and I am demanding my report be unlocked immediately.

Following a request for Equifax to investigate incorrect information on my credit report, Equifax placed a block on my credit report, preventing me or any creditors I give consent to access my credit report with a fraudulent message added when inquiries are attempted, stating, " Fraud alert requested by consumer ''. I did not request to have my credit report blocked. I contacted Equifax 3 times on XX/XX/XXXX and requested my report be unblocked and they have failed to do so, despite the FCRA stating this must be completed with XXXX hour of the consumer 's request. The action of blocking a consumer 's report because Equifax is asked to comply with the Fair Credit Report Act and investigate inaccurate information appears to be an illegal, punitive action to scare consumers into not disputing inaccurate information found on Equifax credit reports. Equifax 's unethical tactics of violating my ability to exercise my consumer rights under the FCRA needs to be investigated. In addition, despite having experienced one of the largest data breaches and proving they can not safely handle consumer information, Equifax has requested that I make paper copies of my driver 's license and social security card and mail it to their office. This practice needs to be investigated, as Equifax employs XXXX individuals across 6 continents and operates in 24 countries, we have no idea who will have access to these physical copies of sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my accounts saying I violated their terms and agreements and they will not disclose what I did to violate or what transaction violated. I have ask several times and they will not tell me anything they did give some examples like gambling, online XXXX  XXXX etc. but with that being said by cash app they allow their platform to be used by an app that people can buy XXXX from cash app funds to funds their account for online gambling connected and linked to cash app. So is that not illegal?? I didn't do anything wrong as I have read these is a common thing that cash app does to a lot of consumers. Does cash app make their own laws? Looks like they get away with a lot of things. It's hard to dispute a transaction with them. Almost always the deny a dispute if you submit XXXX. They let people fraud your accounts easily and won't stop someone from taking money out of your account even after you tell them it's not you. So you have to have your card locked always and almost XXXX. % of time you unlock it to makea transaction before you can lock it back they have already took money just in a matter of seconds. I believe cash app is behind the hackers or whomever is doing this to people. It just amazes me that almost Everytime someone unlocks their card money disappears what the people just sit there and keep trying to take your money. I think it's a coincidence and believe cash app is involved somehow stealing people 's money on the backend somehow disguised. I think cash app should have more laws that they have to adhere to. Especially with so many people moving money through them and how they conduct their business. I want disclosure as to why I had my accounts closed.. I believe I should have that right. And I believe everyone that has accounts closed should receive some compensation for them not disclosing information that they accused us of doing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding unauthorized transactions and their refusal to return the stolen funds from my checking account. Despite numerous attempts to resolve the issue directly with the bank, I have not been able to recover the funds. 

Timeline of Events : XX/XX/year>, XXXX XXXX : I received a call from phone number XXXX, where the caller, identifying himself as XXXX XXXX from Chase Bank, informed me of fraudulent transactions on my account. He asked if I recognized charges for {$130.00}, {$440.00}, and {$9.00}, which were made in the XXXX area. I confirmed that these charges were unauthorized and not made by me. 

The representative, XXXX XXXX, placed me on hold for about XXXX minutes before assuring me that these charges would be reversed. He then asked me to provide a code sent via text message, which I read back to him. 

During the conversation, I noticed additional unauthorized charges, including {$800.00}, {$800.00}, and {$1800.00} taken from my account. I inquired about these charges, and XXXX explained that the bank was " working on my account '' and " performing system tests. '' I was placed on hold for a total of approximately XXXX minutes during this conversation. 

XXXX then informed me that he would call back from a different phone number, which was XXXX. I was on and off the phone with XXXX for a total of XXXX minutes plus an additional XXXX minutes, while he attempted to resolve the issue. 

Unauthorized transactions, including deposits and transfers, continued to occur. The following actions were taken without my consent : {$100.00} was deposited into my account from a Chase ATM. 
{$10000.00} was transferred from my savings account to my checking account. 
I requested a case number, and XXXX provided the employee ID number XXXX and case number XXXX. 

On XX/XX/year>, I discovered an additional {$200.00} had been withdrawn from my account. I contacted the Chase Fraud Department, but the representative I spoke with was difficult to understand, and I was transferred multiple times without a clear resolution. 

On the same day, I visited the Chase XXXX branch, where I closed all my accounts and credit cards. The branch employee, XXXX XXXX, assisted me in opening new accounts and filing a formal complaint with Chase Headquarters. Additionally, I filed a police report with the XXXX Police Department, which I submitted to the bank. 

Audio Recording : During my call with XXXX XXXX, I recorded part of the conversation on my phone, which may serve as evidence of the claims I am making. I am willing to provide this recording to aid in the investigation if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services Subject : Urgent Dispute Fraudulent Accounts Removal To Whom It May Concern, I am writing to formally dispute the accounts associated with XXXX XXXX XXXXXXXX XXXX, which were fraudulently opened under my name and Social Security number without my knowledge or consent to insure someone elses car or house. These accounts were created fraudulently, and I have made multiple attempts to dispute them, yet no action has been taken to remove them from my credit report. 

This situation has had a severe impact on my life, preventing me from being able to move or purchase a car due to the negative marks on my credit. I have been patient in trying to resolve this issue properly, but I have been left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not immediately removed from my credit report. I will continue to do it effortlessly! 

I demand written confirmation that these fraudulent accounts have been deleted from all credit bureaus and that no further collection actions will be taken against me. Please treat this matter with urgency, as I will not hesitate to pursue further legal action if necessary. 

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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