vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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 non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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 2025-01-30 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: TX

Complaint narrative:
These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was sued by XXXXXXXX XXXX XXXXXXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/year>, for XXXX. 

I went to court in XXXX XXXX District Court, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and I was never shown the origination of the loan. 

After being sued by XXXX XXXX XXXX XXXX XXXX XXXX , it came to my attention that I was FALSELY SUED! 

I am filing a complaint against this company regarding the monies that I have already paid this company. 

Thanking you in advance for your prompt attention to this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Inaccuracy of Reporting** : The primary reason for my dispute is that multiple charge-offs for the same debt are inaccurate. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Once an account is charged off, it can not be charged off again for the same debt. 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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX CRIMINAL USE OF CAPITAL ONE BANK FOR XXXX XXXX PRECURSOR FINANCIAL XXXX CRIMES VIA CAPITAL ONE BANK VIOLATIONS OF TILA TRANSPARENCY LAWS, CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE (CARD) ACT, FDCP, FCRA,  AND MORE, POSTED AT: 
XXXX XXXX XXXX XXXX XXXX XXXX REGIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRECURSOR CRIMES, VIA REPLICATED FINANCIAL/CREDIT XXXX PROGRAMMING VIA CRIMINAL USE OF BANKS TO VIOLATE THE  XXXX XXXX VICTIMS PROTECTION ACT  22 U.S.C.  7102), SECTION 1:
(1)ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS. THE TERM ABUSE OR THREATENED ABUSE OF THE LEGAL PROCESS MEANS THE USE OR THREATENED USE OF A LAW OR LEGAL PROCESS, WHETHER ADMINISTRATIVE, CIVIL, OR CRIMINAL, IN ANY MANNER OR FOR ANY PURPOSE FOR WHICH THE LAW WAS NOT DESIGNED, IN ORDER TO EXERT PRESSURE ON ANOTHER PERSON TO CAUSE THAT PERSON TO TAKE SOME ACTION OR REFRAIN FROM TAKING SOME ACTION.

REGIONAL XXXX XXXX XXXX  REPEATED PROGRAMMED AND PAID FOR USE OF BANKING AND CONSUMER PROTECTION TRANSPARENCY AND VALIDATION LAWS IN A MANNER THE LAW DID NOT INTEND. CAPITAL ONE CREDIT CARD ENDING IN  XXXX, ATTACHED ERRONEOUS CAPITAL ONE CREDIT CARD TRANSACTION RECORD, WITH NO PENDING TRANSACTIONS NOTED, WHILE XXXX IS MISSING FROM THE CREDIT CARD ACCOUNT WITH NOTHING IN WRITING.  THE PHONE AGENTS ALLEGE MONEY HAS BEEN LAWLESSLY TAKEN OUT OF THE BALANCE FOR A PREPAID XXXX XXXX XXXX, AND WAS TAKEN OUT OF THE AVAILABLE CREDIT AS AN ASSUMED  XXXX XXXX XXXXXXXX  SECURITY DEPOSIT WITH NOTHING IN WRITING.  THE XXXX XXXX XXXX $250.00 SECURITY HOLD WAS AND IS  SUPPOSED TO BE IN WRITING AND  WAS SUPPOSED TO BE TAKEN OUT OF THE AVAILABLE CREDIT ONLY, NOT THE BALANCE.  
THESE LAWLESS CREDIT CARD ACTS OBSTRUCT CREDIT CARD TRANSPARENCY AND VALIDATION LAWS AND USE BANK LAWS IN A MANNER NOT INTENDED. THE CAPITAL ONE BANKING AGENTS HAVE ADMINISTERED, AN ABUSE OF THE BANKING PROCESS, SPECIFICALLY, THEY HAVE USED BANKING LAWS IN A MANNER NOT INTENDED  AND IN DOING SO HAVE VIOLATED THE TRUTH IN LENDING ACT (TILA), AS IMPLEMENTED BY REGULATION Z, SPECIFICALLY, THE BANKS NOT IN WRITING BUDGET $250.00 SECURITY HOLD, LAWLESS NO PENDING TRANSACTION PUBLISHING, AND DOUBLE DIPPING THEFT OF THE $250.00 OUT OF THE BALANCE, WHILE THE RENTAL WAS PREPAID, IS CRIMINAL AND VIOLATES PROVISIONS THAT REQUIRE TRANSPARENCY IN CREDIT CARD TRANSACTIONS. SPECIFICALLY, SECTION 1026.9(C) OF REGULATION Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
A purchase was made through cash app ( {$3000.00} broken into 2 transactions of {$1500.00} ) transactions to another cash app customer. The purchase went through then emediatlly was taken back from the reciver. Then multiple transactions from contacts that were linked to my cash app started to occure without my consent or permission. At the same time the reciver was experiancing the same thing. Then we called an someone that was possimg to be a cash app employee, asked if we have XXXX XXXX, we told him no? The he asked if we could go somewhere near by an purchase one. This is how the money would be refunded. Me and the reciver refused to do so, beause this all happened within the course of XXXX or less. The person that was on the phone was someone from XXXX XXXX The reciver and I had to delet the accounts due to this action of fraud. I also have another mobile device that i had to reopen a new account. How could i get my information from my previuse account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
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 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 serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Monterey Financial Services LLC
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LA

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION ASSOCIATES, LTD.
State: KY

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXXXXXX I noticed a collections account on my credit report from XXXX XXXX. I immediately began contacting the company with absolutely no one there willing to help. I disputed the collection and thankfully it got removed. Now on XX/XX/XXXX, I get a collection account on my report from Collection Assosicated LTD, for the XXXX XXXX account. And I cant get ahold of anyone at all there. I have reported this with transunion with so far no luck. This was deemed a fraudulent account once, and they sold it to a collection agency and now the collection agency has doubled the amount and put it back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Iv previously written a complaint in regards to the negligence on behalf of my bank when depositing a check from a home owner.

Complaint numberXXXX I recently recieved a letter dated XXXX days ago! In this letter it clearly states they knew there could be a potential problem with the check. I was never notified of any potential problem. I should of been immediately notified so that I could do my part and reach out to the home owner and check issuer well before any problem arose! This is illegal to say the least. I should of immediately recieved a phone, an email or at the very least and expedited registered letter. I cant even believe this is a thing! In the meantime there very vague and uninterested response also out lines a very real problem with this banks policies and departments responsible for the safety of business and the funds it takes to bolster said business!

Company response to consumer: Closed with explanation