vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
Used the Cashapp debit card to make an online purchase for a {$44.00} cake from XXXX XXXX on XX/XX/year> meant to be picked up on XX/XX/year>. That same night I was called by the store manager and told that they can't make the customized cake due to their print machine being broken and that I need to go in person to receive a refund. There was no option online to cancel the order or request a refund, and their support line couldn't help at all. I went in person and was denied a refund and the product I paid for. Naturally, my next step was to start a charge-back through Cashapp in which I provided all evidence and explanation but they deny my dispute XXXX business day after supposedly " investigating '' my claim and deny it. Their reasoning is that there is nothing wrong with the transaction despite the obvious consumer fraud. Cashapp is offering XXXX support despite my many attempts with the vendor to attempt to get my refund and because of this I will no longer use their debit card services since they choose to protect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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.
State: NC

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below 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 These hard inquiries are the results 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 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: GA

Complaint narrative:
XXXX constantly calls people that I am not related to in any way. They call every single day and leave messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
At the end of XXXX, I made a payment arrangement to bring my car note current. Not only did I pay a day earlier than promised, I asked the agent I made the arrangement with to only contact me by mail and to take me out of the dialer. He acknowledged my request and they're still calling me because my payment for XXXX is approximately XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
This formal notice is issued in response to a notice initiated by the undersigned ( hereinafter referred to as " Claimant '' ) with TransUnion LLC ( hereinafter referred to as " Respondent '' ) on XX/XX/year>. It has come to my attention that Respondent has willfully and negligently undertaken unauthorized investigations into all accounts on my consumer credit file, including accounts in good standing, without my prior authorization or request. This unwarranted action has directly resulted in the deletion of seven ( 7 ) positive accounts, as evidenced in the attached investigation results ( XXXX XXXX : XXXX, dated XX/XX/year> ). 
These actions have caused substantial and irreparable harm to my credit rating, defamed my personal and financial character, and have directly contributed to my subsequent denial of credit. 
Violations Unauthorized Investigations Respondent initiated investigations into all accounts on my credit file, including those in good standing, without a dispute or authorization from the Claimant. This conduct appears retaliatory in nature, particularly following multiple complaints filed by the Claimant with the Consumer Financial Protection Bureau ( CFPB ).

Deletion of Positive Accounts The deletion of seven ( 7 ) positive accounts has misrepresented my true credit history, significantly impacting my creditworthiness and causing reputational damage.

Violation of Federal and State Laws Respondents actions constitute violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including but not limited to : Failure to ensure the accuracy of information reported. 
Engaging in unauthorized investigations and alterations to credit reporting. 
Defamation of character through the deletion of accurate, positive account information. PLEASE SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

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 explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Unde

r 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft an
d should be blocked : 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 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was set-up with autopay on with Regions Bank XXXX The funds were in my account and it was set up to pay. Regions bank did not take the payment and never notified me until I was given a notice that the payment was past 30 days late. They acknowledged an error in their system but have not removed this from my credit. They did this twice. They said that it was fixed the first time and then they did it 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 2025-01-08 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Hello there, I was placed in check systems for suspected fraud from Bank of America. I am a victim of identity theft. I had an account that was closed XX/XX/XXXX underneath my social. I had no idea about this account at all until I tried to open an account with XXXX XXXX XXXX XXXX XX/XX/XXXX. I was instantly denied, I had asked the reason for the denial and the representative told me over the phone Ill receive my denial letter in the mail 3-5 business days. On the denial letter I they showed me what was on my consumers report. And I seen suspected fraud from Bank of America. Which was an account I never opened to began with! Im unsure of what to do, someone told me I could report them on here and also file a police report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX NCB XXXX {$15000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2600.00} XX/XX/XXXX XXXXXXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information Us bank 09.07.22 {$9400.00} This credit account is the results 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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to address a significant discrepancy on my ally auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from Ally, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. Ally team acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was XXXX  in XXXX  for like 11 months XXXX of my money was taken and it was unauthorized transactions made not by me. What happened was XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX my phone was taken because it was on the ground. It was then accessed to steal all my money. I never gave anyone my phone pin. I went back to XXXX  without my phone. I had my debit cards on me. So I submitted all the information chime asked for then they denied my claim. Im just now seeing why they denied it. Mistakes on there end. I sent chime letter of incarceration dates XX/XX/XXXX to XX/XX/XXXX. Also I immediately filed fraud because two different police stations said that I had to report it to fraud with social security I couldnt file a report so I did. On that letter of XXXX  I see chime has white out some of the words on the letter. This isnt how it was submitted. Also I sent them screenshots showing the person that did this. It was my ex girlfriend that stole my phone I showed them screenshots how she transferred from my chime account to my XXXX XXXX  account then sent it to her XXXX XXXX. Chime acted like it wasnt enough evidence and denied my claim for nothing. I did exactly what they ask also on this intake form they made they put mistakes on it saying I didnt have debit card and also saying I didnt show enough proof. Im very upset with chime I will never put to much money in that bank ever again because they dont like to pay back people who deserves what is right. Here it is like 2 to 3 years later Im finally seeing what chime said on the intake form there reports about it and they lied and made mistakes. I need my money back. They need to be shut down or sewed. Also chime claimed I didnt show them any documents I sent screenshots from XXXX XXXX and everything they arent even showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is trying to wrongfully force me to pay for a debt thats not mine. They removed it after they couldnt verify the debt but its still Showing under certain credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
On XX/XX/year>, I received a phone call from an agent regarding a debt. Subsequently, I received letters from I.Q. Data International , Inc. dated XX/XX/year>, and XX/XX/year>. 

On XX/XX/year>, I attempted to contact XXXX XXXX directly to obtain more information about the debt, as I had not received any statements indicating an outstanding balance. 

On XX/XX/year>, I sent a debt validation letter via Certified Mail to XXXX XXXX XXXX, requesting further information or a ledger. I.Q. Data International , Inc. did not respond to my request. However, my credit monitoring service notified me that the debt is now being reported on my XXXX credit report. The report states that the debt was disputed by the consumer, which is inaccurate as I had not received validation as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

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. 


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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. 1681s-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 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