vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, CAVALRY PORTFOLIO SERVICES and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case CAVALRY PORTFOLIO SERVICE failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing CALVARY PORTFOLIO SERVICE actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that CALVARY PORTFOLIO SERVICE ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OK

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 


I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.

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 2024-12-02 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: OK

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 


I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.

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 2024-12-02 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: OH

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA.

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 2024-12-02 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
In XXXXXXXX XXXX I discovered that an Affirm account with a balance of {$260.00} had been opened in my name without my permission or knowledge. Upon learning of this fraudulent activity, I immediately placed a fraud alert on my credit report. In XX/XX/year>, I filed a dispute with Affirm to address the unauthorized account, but my dispute was not resolved. Since then, I have offered to provide all necessary documentation and information to support my case, yet Affirm has not attempted to reach out to me or assist in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-12-02 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from the debt collector company Kimball , Tirey & St John, where it shows the balance due to XXXXXXXX XXXX XXXX for the address at XXXX XXXX XXXX # XXXX, XXXX, Ca XXXX. As of XX/XX/XXXX where they say I apparently owe {$7400.00}. 
Which is totally false, I have never lived at the address mentioned. I sent to the debt collector company a validation letter where I let them know I do not recognize the debt and providing information which the exact amount, including fees or interest, name of original creditor, documentation proving that XXXX am legally obligated to pay the debt, such as signed agreement or contract, and proof that their agency has the legal right to collect the debt. A week after I received from Kimball , Tirey & St. John LLP documents such as Lease Renewal Agreement and resident ledger, the initial terms for lease XX/XX/XXXX and terminating on XX/XX/XXXX, XXXX where it shows my name with XXXX other women that I do not know, phone number and Email that I have never used, at the end of the XXXX pages document shows a totally fake signature of XXXX XXXX in a cursive font, dated XX/XX/XXXX XXXX XXXX  XXXX. On Saturday, XX/XX/XXXX I sent a dispute of debt letter, specifying the reasons of incorrect address, fraudulent signature, account not mine and phone and email address linked to the debt are not mine. I already filed a an identity theft report with the Federal Trade Comission at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I have recently signed up with CashApp. Many of my friends relatives use this app to receive and send money with no issue. I noticed almost all of my transactions are being denied for very small amounts. These are friends and family members attempting to help me while I am in between jobs, low on money out of work simply have tried to assist me. I am wondering if there is some sort of bias towards certain customers, I never had this type of issue with XXXX or any of the other apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a long story about the reason why my mom cancelled her mobile phone service with XXXX which is should report to a bureau as well. However, I received a mail from a debt collector request me have to send them a letter to confirm whether I own it. I must use post office stamp to reply that letter and ask my mom contact XXXX to remove my name from their debt collection system. They apologized me and told me because my address is the same with my mom so they made mistake ; that they would fix it. Today, I received another letter from XXXX state that I need to fill out another form name " Collection Dispute for Alleged Fraudulent Activity '' which asking me put all my personal information such as name, phone, email, address and even my last four digits of SSN. At the end of the form, they ask for Police report and photocopy of my Government Issued ID. I have never been their cusstomer, only my mom. I do help her make payment but I am not their client. Why do they ask too much information from non-customer/consumer? Instead of fixing the issue of their collection partner, they want to access my personal information which is illegal. They can't do that to non-customer. Honestly, I am working for a bank and see many customers have the same issue : the debt collection companies just send and report to rendom people have same name or address. It causes a lot of time and hurt consumers ' credit report, create financial problem. I even don't feel comfortable when I received the debt collection letter so I replied their mail although I know I have the right to not do it. Please help to stop them and advise me how to tell my bank customer what to do with this situation. Of course, I asked them call credit bureaus to report and remove it but their credit score get hurt already and they must spend time to fix it as I am doing to prevent it happen to me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: WI

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: WI

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: OK

Complaint narrative:
I bought XXXX {$120.00} on XX/XX/year>. They put a hold on my funds. Then they said I owed XXXX and would release my {$120.00} after I deposited the {$14.00}. I paid {$14.00} on XXXX they still held my money saying I had to provide a handwritten note a selfie and my ID. I did that and they now will XXXX even reply to me or release my money. The {$120.00} says its held until XX/XX/year> but they still wont release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: WI

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}

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 2024-12-02 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:
I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party XXXX XXXX XXXXXXXX XXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates XXXX XXXX XXXX claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. XXXX XXXX XXXX to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXXXXXX XXXX XXXX  failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXXXXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the UCC XXXX as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXXXXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed.This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.

Company response to consumer: Closed with explanation