vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX Balance : {$28.00}, XXXX XXXX XXXX Balance : {$930.00}, XXXX XXXX XXXX Balance : {$640.00}, 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

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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 ( does he need your complaint to pass XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 the error, resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
I sent out dispute letters to get information regarding these accounts and was not given any information regarding these account yet they are reporting. emails sent to me via credit reporting agency that my information had been compromised and used on black market. please investigate these accounts. 

I am writing to formally dispute and request the immediate removal of fraudulent and/or inaccurate information from my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B Obligation to block fraudulent information resulting from identity theft, and FCRA 1681i Obligation to reinvestigate disputed information that is incomplete or inaccurate.

Fraudulent Account ( s ) to Be Blocked/Removed Reason : This account is the result of identity theft. I did not open or authorize this account.

Under FCRA 605B, I am requesting that you permanently block and remove this account from my credit report within 4 business days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a credit report inaccuracy in XX/XX/year>. I have reviewed the matter carefully and believe that the account is closed. The debt was written off, and I should have received a XXXX, making it taxable income, not credit. 
According to code 15 USCXXXXB ( XXXX ), any negative item that a company reports to my credit report without my written consent is considered identity theft. I received an email from Experian that stated this account would not be removed from my credit report until XXXX of 2025. Your information may have changed since XX/XX/year> Account info Account name : XXXX XXXX XXXX XXXX Account number XXXX Account type : Auto Loan Date XXXX Status : Account charged off. {$14000.00} written off. {$14000.00} past due as of XX/XX/year>.

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by Portfolio Recovery. They have failed to comply with federal regulations by reporting inaccurate, unverifiable, and misleading information on my credit reports despite multiple disputes sent via certified mail. These violations have negatively impacted my credit score and my ability to obtain credit. I have attached copies of my credit reports ( from XXXX  ), certified mail receipts, and dispute letters as evidence. Below is a summary of correspondence and the violations : Portfolio Recovery Associates Dates of Correspondence : Debt Validation Request Sent : XX/XX/year> via Certified Mail ( Tracking XXXX XXXX ) Received XX/XX/year> XXXX  Validation Request Sent : XX/XX/year> via Certified Mail ( Tracking XXXX XXXX ) Received XX/XX/year> Final Validation Request Sent : XX/XX/year> via Certified Mail ( Tracking XXXX XXXX  ) Received XX/XX/year> Dispute Sent to Credit Bureaus Regarding Portfolio Recovery : XX/XX/year> via Mail Received XX/XX/year> Reinvestigation Request Sent : XX/XX/year> via Mail Received XX/XX/year> Method of Verification Request Sent : XX/XX/year> via Mail Received XX/XX/year> Violations : 15 U.S.C. XXXXg ( b ) ( XXXX ) Failure to properly validate debt before continuing collection activity. 
15 U.S.C. XXXXe ( XXXX ) ( XXXX ) Continuing collection efforts through credit reporting while failing to verify the debt. 
15 U.S.C. XXXXf ( XXXX ) Unfair or unconscionable means to collect a debt by reporting unverifiable information. 
15 U.S.C. XXXXd ( XXXX ) Engaging in harassing conduct by continuing to report an unverified account. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( FCRA ) Furnishing information with actual knowledge of errors. 
15 U.S.C. XXXX ( b ) Failure to conduct a reasonable investigation after receiving disputes. 
15 U.S.C. XXXXc ( f ) Re-aging the account by modifying the Date of Last Activity. 
15 U.S.C. XXXX ( b ) ( XXXX ) ( XXXX ) Continuing to report inaccurate information even after disputes. 

They have committed multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by failing to accurately investigate disputes, improperly verifying unvalidated debts, re-aging accounts, failing to provide proof of verification, and continuing to report incorrect information despite being notified multiple times. 

As a consumer, I have exercised my rights by submitting formal disputes and requests for verification, all of which were either ignored or improperly handled. I have attached proof of certified mail receipts and tracking numbers showing delivery of my disputes, yet the violations remain unaddressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: LA

Complaint narrative:
I disputed information with Transunion LLC as identity fraud. I have filed at all place ( FTC, XXXX Police Department XXXX XXXX XXXX and with the CFPB ). I just received a letter from TransUnion refusing to block because the right document wasn't filed. I have again attached to this complaint a FTC Report as well as the police report from the XXXX Police Department XXXX 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this report to the Federal Trade Commission regarding an identity theft incident. I discovered that my personal information had been stolen when I noticed unfamiliar transactions on my credit statement. As a result of this incident, I have experienced significant emotional and financial distress. My credit score has been negatively affected, and I've been unable to access credit for necessary purchases. Additionally, I have spent hours communicating with various organizations to resolve this matter, causing disruption in my personal life. Updated additional unrecognized inquiries :- XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX- XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX - XXXX inquired on XX/XX/XXXX - XXXX XXXX XXXX inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this report to the Federal Trade Commission regarding an identity theft incident. I discovered that my personal information had been stolen when I noticed unfamiliar transactions on my credit statement. As a result of this incident, I have experienced significant emotional and financial distress. My credit score has been negatively affected, and I've been unable to access credit for necessary purchases. Additionally, I have spent hours communicating with various organizations to resolve this matter, causing disruption in my personal life. Updated additional unrecognized inquiries :- XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX- XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX - XXXX inquired on XX/XX/XXXX - XXXX XXXX XXXX inquired on XX/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 non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
I have a loan through XXXX XXXX, i had to go out on an XXXX for work due to a major XXXX XXXX. I was granted a deferment but was scheduled to pay the payment end of XXXX, i was not back to work at that point, i asked for more time. They will not allow for that. Since then i have been continuously harassed via text message and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: NH

Complaint narrative:
I have always paid my monthly mortgage payment on time automatically from my bank account. In XX/XX/XXXX, I received notification that my mortgage payment had not been received. Upon contacting the company, I was told that I owed an additional amount due to a change in taxes and that none of my payment would be credited until I paid that amount, which I did. However, the company has continued to insist that additional amounts are owed. For the past XXXX months I have been diligently attempting to obtain from RoundPoint Mortgage Servicing an explanation of the additional amounts owed, which differs depending upon who I talk with. I asked for an escrow analysis, which finally arrived after XXXX weeks. The type was so minute and faint that neither I nor my accountant could read it, even with a magnifying glass. When I requested a better version, I was told that the one I received was the only XXXX available. 
After getting repeatedly wildly different amounts of additional money the company claimed I owe that is not in accordance with my actual property insurance premium amounts or tax bill, I wrote a letter to the CEO, XXXX, servicing manager, and a supervisor including copies of invoices and my calculation of what I believe my monthly payment should be. Simply finding the names of people to contact required hours of research. There is only XXXX telephone number to reach the company, and the customer service people responding to calls either do not know names of supervisors, or refuse to provide them. This was mailed on XX/XX/XXXX, and I have received no response. I continue to be notified that my mortgage is in arrears, despite my timely payments. I have been reported to a credit bureau which has affected my credit rating. I am XXXX and work part-time to supplement my Social Security so that I can remain in my home. At this point, I am at my wit 's end. Do I need to somehow find the money to hire a lawyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Good afternoon, I sent a letter of dispute to XXXX XXXX XXXX, XXXX to Velocity Investments LLC in XXXX, NJ and a Notice of Truth, Dispute and Conditional Acceptance to the attorney assigned the lawsuit ( CAUSE NO. XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX TX via Certified Mail ( Tracking No : XXXX and XXXX respectively ) on XX/XX/year>. This was sent after my ex-wife advised me that she was served a notice of a lawsuit on XX/XX/year> sent to an address I do not reside in nor have I for many years. 
I entered in my Defendants Answer and Affidavit of Truth in response to having been served this notice requesting the XXXX XXXX XXXX XXXX XXXX XXXX, Place XXXX in XXXX, TX XXXX me an extension to allow the Plaintiff to provide validation of the alleged debt on XX/XX/year>. 
To date, I have yet to hear from either party and am concerned with how they proceeded with attempting to sue me with having sent these documents to an address I do not reside in. My other concern is the impact on my credit as the aggrieved party to having gone through this experience that is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-29 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: NY

Complaint narrative:
I XXXX XXXX being the only person with first-hand knowledge about any transactions on my credit report can verify any of the accounts mentioned in my XXXX report . Experian, Equifax, and TransUnion have knowingly and willfully committed identity fraud on multiple accounts against me and have violated my rights to privacy as a federally protected consumer. Your actions have caused damage beyond repair.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received an unsolicited credit card from Chime. It looks like their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, formerly XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I checked my three credit reports and no inquiries were made from this company. Yet, I received a credit card with an account number and an expiration date. In the letter where I received the card, they are prompting me to sign up for direct deposit. I am concerned that this business is using predatory practices. It is also extremely concerning that a company would send a card in the mail without any prior communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Inquiries on Consumer Report Dear Transunion, I am writing to formally dispute unauthorized inquiries that appear on my consumer report. I have recently obtained a copy of my credit report and noticed multiple inquiries that I did not authorize. These inquiries are affecting my creditworthiness, and I am requesting their immediate removal.The details of the unauthorized inquiries are as follows : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion. To support my claim, I have attached copies of the following documents : A copy of my government-issued IDA recent utility bill showing my name and address, A copy of my report from the Federal Trade Commission XXXX FTC ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my consumer report. I kindly request that you investigate these unauthorized inquiries and remove them from my report as soon as possible. Please confirm the receipt of this letter and let me know the outcome of your investigation. You can reach me at XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ). 
I kindly request that you block and remove all information related to this incident from my credit report and provide me with an updated copy of the report. The items listed below do not belong to me and are a result of unauthorized fraud : Summary of Accounts being challenged in list form XXXX XXXX  ACCOUNT # XXXX {$650.00} XXXXXXXX XXXX ACCOUNT # XXXX {$300.00} XXXX XXXXXXXX - ACCOUNT # XXXX {$100.00} XXXX  XXXX - ACCOUNT # XXXX {$1300.00} XXXX - ACCOUNT # XXXX {$750.00} XXXX  - ACCOUNT # XXXX {$1600.00} XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX  XXXX - ACCOUNT # XXXX {$100.00} XXXX - ACCOUNT # XXXX {$3400.00} XXXX - ACCOUNT # XXXX {$600.00} XXXX  # XXXX {$600.00} XXXX XXXX - ACCOUNT # XXXX {$360.00} XXXX  - ACCOUNT # ACCOUNT # XXXX {$860.00} XXXX  - ACCOUNT # XXXX {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX ACCOUNT # XXXX {$27000.00} XXXX XXXX ACCOUNT # XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX - ACCOUNT # XXXX {$500.00} XXXX XXXX  - ACCOUNT # XXXX {$2800.00} XXXX XXXX - ACCOUNT # XXXX {$2900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$29.00} XXXX XXXX XXXXCCOUNT # XXXX {$1100.00} XXXX XXXX XXXX - ACCOUNT # XXXX {$680.00} XXXX {$560.00} XXXX XXXX, XXXX - ACCOUNT XXXX XXXX {$2200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX - ACCOUNT # XXXX {$1100.00} XXXX XXXX - ACCOUNT # XXXX {$1100.00}

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 explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX CT, XXXX XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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