vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-31 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$150.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
This Complaint is two-parts, a complaint against the hospital provider, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and secondly against Ability Recovery Services XXXX I received the following notification from Ability Recovery Services. The last thing I knew about this medical debt was the the Provider was supposed to be rebilling my Insurance Carrier, and they were going to follow-up with me, which they never did. This debt stemmed from I was admitted to XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX after a fall. All of the departments within the hospital were billed in-network, however, the attending physician was out-of-network, but I did not know that until I received a bill from the provider. I never had a chance to deny being treated by that doctor. I followed up with my Insurance carrier for over a year to rectify this and they said they sent a check for the bill, and I never received any correspondence about settling any debt after speaking with them and saying they would rebill my insurance. Additionally, I have never received anything in writing from this debt collection company so that I can verify or dispute this amount. I only found out because I received a notification from XXXX. Now, they are trying to call me after the fact, but I have not spoken with them. 

ABILITY RECOVERY SERVI has flagged your account as Collections on XX/XX/XXXX. 

Source : XXXX XXXX  : ABILITY RECOVERY SERVI Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$760.00}

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on XX/XX/XXXX, I fell victim to a multi-layered scam run by a XXXX XXXX called " XXXX XXXX XXXX ''. I was defrauded of a total amount of {$93000.00}, which was sent from my JPMorgan Chase Bank account to XXXX XXXX  XXXX in the United Kingdom. The two transactions were executed on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, JPMorgan Chase wrote in a letter : Voluntarily sending a wire transfer is not considered a fraudulent transaction, and we can only file a wire transfer claim on an account if you are a signer or owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Experian is in violation of consumer laws by allowing XXXX XXXX  to report an unverified REINSTATED collections to my credit account. 

Experian did not make me XXXX XXXX, ( the consumer ) aware before allowing a reinstatement of an account that has already been noticed as ( Account Paid Satisfactorily ) and removed from my Experian report for that last 2 years. 

The original account holder is XXXX XXXX and was documented as ( Account Paid Satisfactorily ) and removed from my credit report back in the end of XX/XX/XXXX. 



XXXX XXXX Has no legal contract with my signature agreeing to do any type of business with them. They are violating consumer laws and need to be completely removed from my credit report ASAP. 

It has been brought to my attention that there is a lawsuit against Experian, by the CFPB for ( Shame investigation of credit reporting errors ) This is a clear notice that your negligence will cause penalty and compensation to the consumer ( XXXX ) XXXX XXXX if negligence is practiced with this investigation. 





XXXX XXXX Has also been made aware of the invalidity of alleged debt that they purchased from XXXX XXXX. 

Ive filed 10 plus CFBP complaints requesting XXXX XXXX  to provide proof of all alleged charges made with the secure credit card before closing in XX/XX/XXXX. Ive made clear in multiple CFBP complaints for XXXX  XXXX  to provide ONLY purchase transaction statement with the amount of each transaction and the name of the companies/merchants with location and date of charge. Theyve willfully ignored my request as show in attached documents speaking to monthly fees ( not relevant without proof of charge balance ) With every response they pretend as though theyve given me the information that Ive requested. Theyve even gone as far as to mark my disputes as duplicates and closing them out immediately. 

XXXX XXXX  You are being put on notice that you are in violation of consumer laws and will also be held accountable for damages if you choose to not remove yourself from reporting from all with the knowledge of XXXX XXXX  willful negligence to prevent full and valid information for this negative account. If this complaint is closed and your reporting from all is not removed, you will receive a list of consumer laws your in violation of and damages will be calculated in addition to this notice. Knowing XXXX XXXX allegations of charges without providing them and willful disregarding show your willingness in violation of consumer fair credit reporting. 
There is a list of collections companies that are no longer allowed to operate because of their willful violations of the consumer. Dont compromise your ability to stay in business over this shady 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 explanation
Consumer complaint received 2025-01-31 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-01-31 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEMS , INC. AND THE GUARANTORS HAS A FRAUDULENT ACCOUNT IN MY PERSONAL INFORMATION OPENED WITHOUT MY CONSENT. THIS FRAUDULENT ACCOUNT HAS NOT BEEN REPORTED TO MY CREDIT FILES AS OF TODAY, AND I DONT GIVE CONSENT TO REPORT THIS FRAUDULENT INFORMATION TO ANYONE OR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX Subject : Complaint Regarding Account Closure by Discover Bank Dear Consumer Protection Agency, This letter is to formally file a complaint against Discover Bank for the unexpected and unjustified closure of my bank account, [ XXXX ], on [ XX/XX/year> ]. 

Circumstances : Sudden Account Closure : Without any prior notice or explanation, Discover Bank abruptly closed my account. 
Prearranged Bill Payments Returned : This unexpected closure resulted in the return of several prearranged bill payments, including [ Credit Card, Utilities, Food, heat [ oil heat ]. 
Financial Hardship : The returned payments have created significant financial hardship, including potential late fees, service disruptions, and damage to my credit score.

Lack of Communication : Discover Bank has failed to provide any clear explanation for the account closure or a reasonable timeframe for the return of my funds.

Delayed Refund : I understand that Discover Bank may hold funds for a period, however, the current hold period of [ 2 ] weeks is excessive and causing undue financial strain.

Requested Action : I request that the Consumer Protection Agency investigate this matter and take appropriate action against Discover Bank for the following : Expedite the return of my funds : I request that Discover Bank expedite the return of my funds within a reasonable timeframe, such as [ Suggested timeframe, e.g., 3-5 business days ].

Compensation for damages : I request compensation for any financial losses incurred due to the unexpected account closure, including late fees, service disruptions, and potential damage to my credit score. 

Improved communication and customer service : I request that Discover Bank improve its communication with customers regarding account closures and provide clear explanations for such actions. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I called the XXXX XXXX number that I got of of XXXX site, because I was having issue with sending my brother some money it was not allowing me to.when contacting them and letting then know what my issue was they asked for my info, Then they had told me they did not see any issue and for me to contact my brother and let him no the cash app was sending him a link that he needed to go to see if the issue was on his end once he open the link they had access to his cash app. They had me try to send him the money once more to see if it was working, once the transaction went thru we got off the phone .Then when we were done with the call me and my brother had money taking out of are bank accounts due to are cash app was connected to are checking account.All amounts on this day was for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Once I notice that money was taken out my account I called my bank and they said they couldn't do anything because he showed it like I sent it but I didn't. They told me to contact cash app back to let them know what happened. I didn't call them back because what happened when I called the first time.I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: V and H Portfolio
State: CA

Complaint narrative:
Complaint to CFPB : Unauthorized Reinsertion of an Account by XXXX Dear Consumer Financial Protection Bureau, I am filing a complaint regarding the unauthorized XXXX of an account by VANCE & HOFFMAN XXXX XXXX, on my credit report by XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ). This XXXX has caused me significant harm, including lowering my XXXX XXXX and creating undue stress, making it difficult for me to obtain credit. 

Details of the Issue : The last time I saw this account from VANCE and HOFFMAN on my XXXX credit report was in XX/XX/year>. 

From XX/XX/year> to XX/XX/year>, this account was no longer present on my XXXX credit report. 

On XX/XX/year>, the account suddenly reappeared without any prior notice or verification from XXXX Potential FCRA Violation Lack of Notification for Reinsertion by XXXX UNDER THE FCRA XXXX ( a ) ( XXXX ) ( B ), if an account is reinserted after being previously removed, the XXXX XXXX XXXX is legally required to : XXXX. Notify me within XXXX business days of the reinsertion. 
XXXX. Provide the name and contact information of the furnisher who requested the reinsertion. 
XXXX. Ensure that new, certified information was provided to justify the reinsertion. 
In this case : I was never notified by any credit bureau ( XXXX, XXXX, or XXXX ) that the account was being reinserted. 
No verification of certified information was given to me. 
The accounts sudden reappearance negatively impacted my XXXX XXXX, affecting my ability to obtain credit and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/year> I received an alert from XXXX XXXX saying that I had a delinquent account on my XXXX XXXX through XXXX XXXX. When checking my credit score, Trans Union had dropped my score XXXX points. I contacted XXXX XXXX and they told me that there was no late payment showing on my credit report and that the reporting was not accurate.I submitted a request from Trans Union and my credit score was only adjusted XXXX points. It is not acceptable to drop me XXXX points on false reporting and then only give me 1/3 of the credit score back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds dating back to 2017 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer saftey. 
Funds of various amounts scammed from me and/or funds not received because of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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