vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. There 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Data & Credit International Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I noticed that Kingston Data still had added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Kingston Data and Credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately!! I am not requesting documentation because this debt does not belong to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
several phone calls to keep account open and ask for my refund before sixty days as i need my money

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 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Harass excessive phone calls Debt incorrect amounts No proof or signature contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding The following are accounts I am complaining against under my Equifax report XXXX Report And XXXX report XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX I remember like it was yesterday cause who can forget losing money. I was sending money to my mom and clicked the wrong person and it went down hill from there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 48 financial losses, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to file a complaint regarding the denial of my credit card application submitted on XX/XX/XXXX. At the time, I was unaware of my rights under the Equal Credit Opportunity Act ( ECOA ), but after reviewing the law, I believe the denial may have violated my rights.

. Upon learning about my rights, I contacted the lender today XX/XX/XXXX which was supervisor. to resolve the issue. I spoke with a supervisor, whose agent ID number is XXXX, but the situation has not yet been resolved. 

I am requesting that the CFPB investigate this matter, as I believe my rights under ECOA were not fully respected in the credit application process. Specifically, I would like a request of my credit aplication, if they cant resolve this issue. 

Thank you for your attention to this matter. I am happy to provide any additional details or documentation as needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The attached accounts were previously disputed. An FTC report was provided and proper documentation. I was told several times that items were received new " projection dates '' from month to month. Items were taking longer than 30 days to get any type of responses. Accurate documentation was never provided to me to show that I am legally responsible for these accounts. 
I was also sent a letter showing specific items were deleted but they are still being listed on my 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 2025-01-27 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: DISCOVER BANK
State: GA

Complaint narrative:
I recently checked my credit report and found a Discover account that was previously removed due to fraud place back on my credit report as well as another account that was not authorized from XXXX XXXX XXXX on credit report. I believe my information was comprised in the XXXX Data breach upon checking my social security information on the the website. The two account listed in this report are fraudulent and reporting misinformation on my credit report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX Police Department and obtained a police report # XXXX which both are attached. I also included a Affidavit of Fraud to this letter which I have signed and have had notarized. I have contacted and written several letters and keep getting stall letters. I am attaching my Drivers License and my social security card. The following item does not belong to me and is a result of fraud that I did not authorize : XXXX. DISCOVER BANK Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I recently checked my credit report and found a XXXX account that was previously removed due to fraud place back on my credit report as well as another account that was not authorized from Sequium Asset Solution on credit report. I believe my information was comprised in the XXXX Data breach upon checking my social security information on the the website. The two account listed in this report are fraudulent and reporting misinformation on my credit report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX Police Department and obtained a police report # XXXX which both are attached. I also included a Affidavit of Fraud to this letter which I have signed and have had notarized. I have contacted and written several letters and keep getting stall letters. I am attaching my Drivers License and my social security card. The following item does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX BANK Account XXXX : XXXX XXXX. SEQUIUM ASSET SOLUTION Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Failure to Investigate Properly 611 ( a ) Keep Repeatedly Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) WILLFUL NON COMPLIANCE 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) You have REPEATEDLY VERIFIED AS ACCURACY ON ALL FRAUDULENT ACCOUNTS Please see ATTACHED DOCUMENTS

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 2025-01-28 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:
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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX i got a payment for XXXX $ to my company XXXX XXXX XXXX XXXX at Citi bank and i start to do business as usual XXXX XXXX XXXX, I did the first payment of XXXX $ to XXXX buyers but it got rejected because I took an old information and didnt know their account was close at this time. 
Well then I tried to make other payment and the bank just freeze the account and its under Investigation cuz they though it was fraud but now its almost 2 month since ny account is in process of closing and they havent send my money to my house or unfreeze my money. They didnt even return the money they want to stole my money and I need to fix this asap. 
The company or the bank involved was Citi bank

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Schrier, Tolin and Wagman, LLC
State: SC

Complaint narrative:
XXXX transferred credit card debt to XXXX XXXX XXXX in XXXX. I notified XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX XXXX I notified XXXX of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( Schrier , Tolin and Wagman , LLC ) and XXXX that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at Schrier, Tolin and Wagman LLC advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. The law firm took me to court - my repeated statement of the debt not being mine was not disclosed by Calvary or Schrier, Tolin and Wagman LLC and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I asked them to send me debt validation so I can see what accounts they have of mine I included this law 15usc1692 I let them know that I even went in to identity theft and I sent them papers to show that it was not me and nothing happened yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I recently discovered that XXXX XXXX XXXX accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation. 

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information. 

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently discovered that XXXX XXXX XXXX accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation. 

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information.

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I recently discovered that XXXX XXXX XXXX accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation. 

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information.

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am sending a complaint because the company has failed to validate this debt on my credit reports in the allotted time which is 30-45 days. I have tried on multiple occasions to ask for debt validation and they continue to prolong the process and havent sent any information. They will not even properly investigate my claims. if a company takes longer than 45 days to respond to my credit report dispute, the credit reporting agency is required to remove the disputed information from my credit report because it is considered unverifiable under the Fair Credit Reporting Act ( FCRA. I would like to ask that the collection from XXXX XXXX international be removed from my report immediately. I have given more than enough time to validate it is unverifiable.

Company response to consumer: Closed with explanation