vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXX XX/XX/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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested a replacement credit card from Bank of America as I could not locate my original card. Around the expected arrival time of the new card, I noticed multiple unauthorized charges totaling {$500.00} on my account. These charges occurred during a period when I was at home and did not make any transactions. I did not receive the replacement card in my mailbox. I immediately contacted Bank of America to report these unauthorized charges. I suspect someone stole my replacement card from my mailbox and used it. A claim was filed on XX/XX/XXXX, but the bank subsequently rejected my dispute without providing any explanation or justification. According to the Truth in Lending Act ( TILA ) and Regulation Z, consumers are protected from liability for unauthorized charges, particularly when they have reported them promptly. Additionally, under the Fair Credit Billing Act ( FCBA ), creditors are required to investigate disputes and provide clear reasons for rejecting a claim. Bank of Americas decision to reject my claim without explanation, despite evidence suggesting potential fraud, appears to violate these obligations. Following the rejection, I attempted to contact the fraud claim department to request a reinvestigation. I waited on hold for over two hours, only to encounter repeated unhelpful processes and a complete lack of responsiveness from the department. This lack of access to timely and effective support has added undue stress and frustration to an already difficult situation.

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 monetary relief
Consumer complaint received 2025-01-23 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 


XXXX XXXX XXXXXXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXX XXXX  XXXX Have submit for them to provide proof of investigation plenty of times and till this day have never got the proof. This should have fallen off my report years ago. 

XXXX XXXX XXXX  XXXX XXXX investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

XXXX XXXX XXXX  XXXX XXXX investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

Most of these accounts were already removed, and deleted from my reports through XXXX, Experian, & XXXX. Then a few weeks or months go by and they reappear as a different account on my credit reports. I have been resubmitting these reports for years and still no proof of investigations. 

Thank you for your time and help in this matter. 

Sincerely, 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 2025-01-23 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: NY

Complaint narrative:
XXXX failed to complete an investigation that would have them interview loved ones and neighbors and people who have first hand knowledge of the transactions being reported, and I am the only one who has first hand knowledge of any transaction between me and another party. And I did not verify or validate this fraudulent account to be reported to my credit report.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX failed to complete an investigation that would have them interview loved ones and neighbors and people who have first hand knowledge of the transactions being reported, and I am the only one who has first hand knowledge of any transaction between me and another party. And I did not verify or validate this fraudulent account to be reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: NM

Complaint narrative:
My wife and I were scammed by green sky LLC in the exact manner described in detail in your consent order and we want to take advantage of the remedy provisions of that order dated XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and consideration.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/year> my chime account was closed after I told them that someone was trying to hack my account and they then closed my account by that XXXX im now finding out that that person is still trying to hack my account that they closed for whatever reasons. They changed the email address and phone number locked me out and I called support and they helped but then the account was hacked again for a second time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX Reinserted a Discover Bank account back on my credit report.. This Report was deleted from My file In XX/XX/year> from XXXX due to inaccurate information.. I never live at the address also associated to the report.. The Fair Credit Reporting Act strictly prohibits the reinsertion of previously deleted or unverifiable information without proper notification and a valid certification of accuracy. Specifically : 1. FCRA Section 611 ( a ) ( 5 ) ( B ) : Before reinserting information, XXXX is required to certify that the furnisher has provided sufficient evidence to prove the informations accuracy and completeness. I was not notified of this reinsertion, which constitutes a violation of federal law. 
2. FCRA Section 623 : Data furnishers are obligated to report accurate and verifiable information. The address associated with this account, XXXX XXXX XXXXXXXX XXXX XXXX, is factually incorrectI have never resided there. Any account tied to this address is therefore false and should be removed. 
3. FCRA Section 611 ( d ) : If a reinsertion occurs, XXXX is required to send me written notice of this action within five business days. I did not receive any such notification, further compounding the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Inaccurate Reporting of a Collection Account To Whom It May Concern : I am filing this complaint regarding an account listed on my consumer credit report by FirstPoint Collection Resources. This issue involves the following details : Original Creditor : XXXX XXXX XXXX XXXX : FirstPoint Collection Resources Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Case Number of Prior Dispute : XXXX In my prior dispute submitted to CFPB, FirstPoint Collection Resources claimed that they were hired by XXXX XXXX to collect the debt. However, this raises concerns about the accuracy of the information reported. 

If XXXX XXXX hired FirstPoint Collection Resources to collect the debt, then it should not appear on my credit report as a collection under FirstPoints name. The presence of this listing suggests that the debt was sold to FirstPoint Collection Resources. If this is the case, I request that FirstPoint Collection Resources provide a bill of sale or assignment agreement proving the transfer of ownership of the debt from XXXX XXXX to FirstPoint Collection Resources. 

If FirstPoint Collection Resources can not provide evidence that they own the debt or have the authority to report it as a collection account, the account must be removed from my credit report entirely, as required by the Fair Credit Reporting Act ( FCRA ). Reporting this account inaccurately and without proper validation creates undue harm to my creditworthiness, violating my rights under the following provisions : 15 U.S.C. 1681e ( b ) : The FCRA requires furnishers and consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : I am entitled to dispute inaccurate or unverifiable information, and if such information can not be verified, it must be removed.

Despite my formal dispute, FirstPoint has not provided the requested documentation and continues to report this account. Additionally, FirstPoint agreed to cease communication with me during my prior dispute, yet no resolution has been reached, and the account remains inaccurately listed on my credit report. 

I respectfully request that the CFPB investigate this matter, require FirstPoint Collection Resources to provide validation of the debt was sold to them, and ensure that the account is removed from my credit report if such validation can not be provided. 

Please keep me informed of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to formerly 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 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 raisers serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citi XXXX Visa was charged for two transactions I did NOT make. 
XX/XX/XXXX -- I noticed 2 transactions totaling {$5400.00} : XXXX XXXX XXXX, {$2400.00} and XXXX XXXX XXXX, {$3000.00}. 
I called Citi immediately and said my XXXX account had been hacked and he Citi Visa card which was linked was compromised. Citi fraud dept. came back and said since I had the card the transactions must be mine. No resolution. 
I opened a second dispute as a billing dispute -- same outcome. Citi said since I had the card the transactions must be mine. 
-- Filed a police report for credit card theft -- Called XXXX  per Citi and they said there were no transactions matching my descriptions. 
-- I rarely use XXXX and never for anything over {$170.00} ( let alone {$5400.00} ). 
XXXX Citi said that I had " experience " with the merchant ( XXXX ), so it must be my transactions. 
-- I have no knowledge of XXXX XXXX and hope that XXXX can help. I believe Citi just blew me off. I was hacked and Citi is not living up to its promise as a customer. 
--

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 monetary relief
Consumer complaint received 2025-01-23 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:
All three bureaus have refused to update my child support. I have current payments and they are saying that I havent paid since last year. I reached out to the Attorney General Office and they provided me with pay history that I am attaching below.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I have request proof of this debt belonging to be and have not gotten a response. I do not recall this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-23 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I received a loan from Net Credit about 6 years ago before Covid. I received about {$5000.00} dollars. The amount is over {$6000.00} dollars now. I've tried to resolve this issue. They said I would have to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On or about XX/XX/year> and XX/XX/year> I called to let them know that there are errors in my personal info and that there are names that are not mine reporting on my credit report.

During both calls, I was informed that these name would be deleted within 24 to 48 hours.

Upon checking my report today. Those Ames are still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
On or about XX/XX/year> and XX/XX/year> I called to let them know that there are errors in my personal info and that there are names that are not mine reporting on my credit report.

During both calls, I was informed that these name would be deleted within 24 to 48 hours.

Upon checking my report today. Those Ames are still reporting on my credit report

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I disputed Debt Collection with XXXX back in XX/XX/XXXX regarding collection placed on my account by XXXX XXXX. However, I don't feel like my dispute was properly investigated. It does not satisfy me the outcome of XXXX investigation as the collection of {$7300.00} still remain on my account until XXXX XXXX XXXX as stated. I find this so unfair as XXXX XXXX was failed to provide me information to validate the debt they are trying to collect. 

Also, there are some old accounts still remain on my credit that should have been removed or deleted.

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