vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX is a telecommunications provider in my local area and the provider is collecting on an account I never had opened. Another person may have used my information to open a telephone account with XXXX but the accounts that are being collected were not opened by me. I have an open and current internet account with XXXX and XXXX was not able to submit proof of what other account I had that they were collecting upon, XXXX forwarded this debt to a collections agency which also could not provide detailed information on the XXXX account they were collecting for or provide proof that the account was in fact mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
It seems like you want to create a formal " cease and desist '' letter addressed to an individual or entity ( possibly XXXX, though that could refer to a company or person ). Additionally, you want to include a mention of how reporting to your credit could be seen as a form of communication under **15 U.S.C. 1692c ( c ) **. To clarify, **15 U.S.C. 1692c ( c ) ** is part of the **Fair Debt Collection Practices Act ( FDCPA ) ** and refers to when a consumer informs a debt collector in writing to cease communication. The section outlines that once you notify a debt collector in writing that you no longer wish to be contacted, they must stop all communication except for specific instances such as informing you of certain legal actions. I'll create a basic cease-and-desist letter template for you, incorporating the relevant legal references. If you need any adjustments or specific details to be added, feel free to clarify! XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/year> Re : Cease and Desist Communication / Reporting to Credit** Dear Sir/Madam, I am writing to formally request that all communication and attempts to collect debt be immediately ceased, in accordance with **15 U.S.C. 1692c ( c ) **. This section of the **Fair Debt Collection Practices Act** states that I have the right to request that you cease further communication with me regarding any alleged debts. As such, I hereby demand that all communication from you or your representatives be halted immediately. Furthermore, I would like to clarify that any reporting of this matter to credit reporting agencies may be interpreted as a form of communication. I would ask that you ensure no further negative reporting is made to my credit file unless it is in full compliance with all applicable laws and regulations. If you continue to report to credit agencies or otherwise violate my rights under the FDCPA, I will not hesitate to take appropriate legal action, including filing a complaint with the **Consumer Financial Protection Bureau** ( CFPB ), the **Federal Trade Commission** ( FTC ), and seeking legal counsel. Please confirm in writing that you have received this cease-and-desist request and that you will comply with my instructions. Sincerely, XXXX XXXX This is a general template, so ensure you fill in all the necessary details, and adjust it based on your situation. If you need any specific changes or have additional requests, just let me know!

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 2025-03-10 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: MA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC XXXX ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC XXXX ACCORDING TO 15 USC XXXX ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC XXXX ( B )

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC XXXX ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC XXXX ACCORDING TO 15 USC XXXX ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC XXXX ( B )

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 2025-03-10 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: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX my checking account suddenly showed a negative balance of over {$900.00}. I called Capital One and they said I had deposited a paycheck in XX/XX/XXXX that was cashed elsewhere. I said I did not cash it anywhere else and that they had even held my check for 7 days before making the funds available to me. They said it was cashed at XXXX XXXX XXXX XXXXXXXX. I said I live in XXXX  and I have never been to XXXX nor even heard of that bank and asked hiw they got their information. They said they didn't klnow. I asked for proof of that what they were telling me was true and they said they couldn't provide that yet they are holding ME accountable for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AK

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/year> I received a Chase bank debit card in the mail and I have never opened a Chase bank account. I called Chase fraud department and we verified certain information together- in which the phone number and email address that was used to open the account were not mine. The bank did not disclose that information to me but were able to verify when I gave them my information that it was not mine. The account has been flagged and will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Complaint Details : Issue Type : Problems with a mortgage servicer Company Name : PennyMac Loan Services , LLC What Happened : I am a 100 % XXXX XXXX with a XXXXbacked home loan serviced by XXXX. In XX/XX/year>, my monthly mortgage payment unexpectedly increased from approximately {$1400.00} to {$2700.00} due to an error by my county assessors office. They wrongfully removed my XXXX XXXX 100 % XXXX exemption, causing my escrow to nearly double. 


After I identified their error, I worked with the county assessor 's office to reinstate my exemption, which corrected my tax assessment. However, during the months when my escrow was overcharged, I was unable to afford the inflated payment amount. I repeatedly contacted PennyMac for assistance, but my loan went into delinquency. I attempted to file for mortgage assistance by first calling, at which time I was given an over the phone screening and then told to fill out nine pages of " income and expenditures '' documentation. I submitted the package and was asked to filled out a second package which was identical to the first ( and the same questions as the phone screening ). I submitted both packages electronically via their website. Nothing came of my attempt for relief and I was ultimately " denied ''. 


In XX/XX/year>, PennyMac finally corrected my mortgage payment, but they refused to apply retroactive adjustments, leaving me with penalties, late fees, and a damaged credit score ( dropped from XXXX to XXXX ). Additionally, property tax refunds of {$3600.00} and {$850.00} were issued, but PennyMac has not provided a clear explanation of how these funds were applied.

PennyMacs refusal to correct my account has resulted in financial harm caused by an error I did not make. Despite repeated attempts to resolve this through PennyMacs escalation department, they claim they can not apply retroactive corrections. I am requesting that CFPB investigate and require PennyMac to adjust my account to reflect what it would have been if the county had not made the original error. 


Even though I continued to make my " usual '' mortgage payments, PennyMac stated they viewed those payments as " partial '' payments and charged me late fees, and fees for occupancy verification. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am reporting potential fraud involving mail addressed to XXXX XXXX at my residence. This person does not nor ever has lived at this address. 

Over the past months, Ive received multiple letters from financial institutions related to credit and loan applications. I didnt open most of the envelopes. I sent them back to the sender with NO SUCH PERSON on the front. One letter, I mistakenly opened, was a rejection from Chase Bank, where I am a customer. This person was trying to open a bank account using my address. Chase confirmed that they had rejected several applications from XXXX, including for loans and credit cards. 

On XX/XX/year>, I received the latest letter. The sender is XXXX, another financial institution. I could feel a stiff card, like a credit card, inside. After contacting XXXX, I was advised to file a complaint with a federal agency. I am now reaching out to the CFPB. 

I sent earlier envelopes back to the sending business, but will collect any future mail addressed to XXXX XXXX and document relevant details. 

Please advise if theres anything further I can do to assist in the investigation and stop this person from engaging in financial fraud using my address. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

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 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 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 XXXXXX/XX/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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CO

Complaint narrative:
US BANK SENT MAIL AS I WAS ON VACATION AND FOUND NOTICES TO OPEN AN ACCOUNT DATED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

WHILE TRAVELLING I PRESENTED MY XXXX  DRIVERS LICENCE WITH A {$43000.00} CASHIERS CHECK. IT TOOK THIS WOMAN NAMED XXXX AT LEAST 20 MIN OF MY VALUABLE XXXX XXXX. VACATION TIME, TO ATTEMPT TO OPEN THE ACCOUNTS,,,,, AND WITH false information that the official cashiers check would need to be deposited and then she would be told that the XXXXXXXX XXXX CASHIERS CHECK MIGHT NEED TO BE HELD WITHOUT EVEN PAYING ME {$1000.00}. 

NOW HOW COULD A BANK EMPLOY SUCH AN XXXX XXXXXXXX? THE ACCOUNT WAS NOT OPENED WITH FUNDS BECAUSE OF THIS PERSONS IGNORANCE. 

I DEMAND TO KNOW WHY THIS WOMAN IS NOT INFORMED AND WHAT IS STATUS COF MY ACCOUNTS AS. I'VE BEEN ON HOLD ON THE PHONE THE ENTIRE TIME I TYPED THIS EWITH XXXX FINGER

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-03-10 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, XXXXXXXX XXXX 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 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 2025-03-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 2025-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I called in to Shellpoint Mortgage Servicing and was advised by a representative of two late payments which had occurred for XXXX {$27.00} and XXXX {$27.00}. Fast forward to XX/XX/XXXX, I called into Shellpoint and was advised a payment I made in the amount of {$270.00} the system only applied {$220.00}. I filed a complaint, as I did not authorize for the late fees applied to this payment. A representative stated once the payment cleared for XX/XX/XXXX the late fee will be removed. Unfortunately, this has not taken place and this company continues to display duplicitous practices time and time again.

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 2025-03-10 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: SC

Complaint narrative:
I am not able to get through to Experian concerning the many discrepancies in my credit report. I have sent over to them the real and valid information for me they are still housing inaccurate names and socials on my credit report. They have been provided since XXXX  my valid social security card and drivers license and Ive added an extended fraud alert and this has still been no help for me at all. they sent a report with a dispute number of # XXXX Investigation ID # XXXX and this whole report is off with over 85 % inaccurate information. I can not get through to a live person since last monday whenever I enter my social the system apparently recognizes my number and will direct me to find help online

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 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 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 2025-03-10 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: PA

Complaint narrative:
My information has been sold to companies I do not recognize, I did not approve of any on these transactions. XXXX actually not sure what/where the debit are coming from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
My information has been sold to companies I do not recognize, I did not approve of any on these transactions. XXXX actually not sure what/where the debit are coming from.

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