vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
XXXX XXXX company seized funds in my bank account without any notice. Funds that have been awarded to me from personal injury settlement, workers compensation settlement, XXXX insurance payments and unemployment benefits payments have been seized. I have not received notices about this debt however if it is legitimate then statute of limitations has passed so legally they shouldnt be able to put a levy on my bank account. Total amount that has been levied is {$6200.00}, which is needed for me to keep a roof over my children and for everyday necessities. These funds should be exempt from. Enforcement of judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent.

Central Bank ( I have NEVER had an account with this institution ) : disclosed/reported XXXX transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of XXXX which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681.

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing.

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX placed on XX/XX/XXXX I never authorized this lender to make a hard inquiry on my credit report. 
XXXX XXXX placed on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2025-01-10 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$750.00}

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXX XXXX opened XXXX XXXX. A collection at XXXX opened on XX/XX/XXXX. A auto loan at XXXX XXXX XXXX on XX/XX/XXXX. A personal credit card at XXXX XXXX opened XXXX XXXX. A closed account at XXXX XXXX XXXXXXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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, and 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 XXXX 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 2025-01-10 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: The Bureaus, Inc.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was an account with chase that was opened fraudulently without my consent the balance of {$4400.00}. I have no knowledge who opened this account or how payments were made on the account and how this account has been active, I opened my XXXX  and XXXX XXXX and saw the fraudulent accounts opened in my name with my information. I have submitted identity theft report my driver license, the creditor refuses to remove this account from my credit report when in fact they can not provide any sufficient evidence that I am the one who opened this account. They also violated XXXX federal codes that protect me as a consumer. They violated 15 U.S CODE 6802, 15 U.S CODE 1681B AND 18 U.S CODE 1028. I will be seeking damages of {$1000.00}, they are not willing to cooperate. I have tried several times and have reported it to the bureaus requesting for this fraudulent card to be removed from my credit report and they have failed to remove they put it back into my credit report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The company Kimball Tirey & St John has committed multiple violations of the Fair Debt Collection Practices Act and of the Fair Credit Reporting Act.

They refuse to abide by federal regulations by reporting inaccurate information, failure to verify the accuracy of the original debt amount, willful failure to provide a validation letter along with original documentation with my original signature showing that the alleged debt is mine & accurate, as well as documentation showing that they are legally allowed to collect the alleged debt.

They have reported false and inaccurate information to XXXX, XXXX, & XXXX and have refused to provide any type of documentation to show that the debt is valid and/or that the amount they claim I owe is correct. 

In XXXX of XXXX I moved out of my apartment unit at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX after a dispute that was settled in court. The management firm for XXXX XXXX apartments, XXXX XXXX XXXX, illegally kept my security deposit, charged me for repairs that were not needed and/or necessary to justify keeping said security deposit, and continued to bill me for rent through XXXX to XXXX of XXXX. 

In XXXX of XXXX, Kimball Tirey & St John put on my credit report that : Date Opened : XX/XX/XXXX Balance : {$31000.00} Balance Updated : XX/XX/XXXX Original Balance : {$12000.00} Terms : 1 months All of the information is inaccurate. I have never received a Validation Letter regarding this debt. The amount they claim I owe has never been provided to me, nor have I ever been given the opportunity to dispute the validity of this amount. They said that my account was opened on XX/XX/XXXX, which is 2 years and 2 months after I moved out. Both the Original Balance and Current Balance are incorrect. I have never received any type of documents to show that either amount claimed is valid and that increasing the balance from {$12000.00} to {$31000.00} in 1 month is legal & justifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-01-10 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: RI

Complaint narrative:
I kindly request that my credit report be frozen immediately, as I am eager to take this step to safeguard my personal information. I hope that the freezing process will be completed without delay to ensure my credit remains protected from any unauthorized access or activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is another complaint that I'm filing against Transunion. I wrote XXXX letters to Transunion, and I didn't get a response from them. The first letter was sent was on XX/XX/XXXX, and Transunion received the letter on XX/XX/XXXX. After I didn't receive a response from TransUnion, I sent them another letter on XX/XX/XXXX and Transunion received the letter on XX/XX/XXXX, XXXX.Today is XX/XX/XXXX, and I have yet to receive a letter or response from Transunion. I ASKED TRANSUNION TO ACCURATELY VERIFIY A LATE PAYMENT FOR : XXXX  : ACCOUNT # XXXX FOR THE MONTH OF XX/XX/XXXX. I CONTINUE TO ASK FRO PROOF BUT TRANSUNION CONTINUES TO IGNORE ME. I'M ASKING TRANSUNION FOR THE XXXX TIME TO INVESTIGATE AND PROVIDE PROOF WITH BANK STATEMENTS SHOWING THE PAYMENT FOR XXXX WAS LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THIS PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This proves when I paid on time. Anything other than documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. In XXXXXXXX XXXX XXXX XXXXXXXX, Congressional opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It has to come from the data furnisher, it has to come from the credit bureaus. It can not come from me.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app account was randomly closed and will not allow me to open a new account. They said I violated their policies but I have not and they couldnt tell me which specific policy I even violated. I used this cash app for my small business and it has affected me tremendously. I now can not even open a personal account as they automatically close it once I put in my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: AL

Complaint narrative:
I informed the customer service Representatives at ADP dispute center regarding my wisely spending account payroll card XXXX on authorized transactions have to complex proof of the description and the resolution that I have received does not have any support to withstand or uphold decision by XXXX XXXX  I also informed the institution to block merchant before any more transactions take place they did not end I have multiple charges from the same version repetitiously they chose to communicate via email and be a US postal mail the US postal mail was supposed to involve my signature and a deadline that was XXXX the XXXX and I didn't receive the paperwork until XX/XX/XXXX so this cause and effect I have no money from this website and provisional credit wasn't offer it does cause and more affliction to the situation at hand neither arbitration as a resolution currently I'm seeking did the lighter outcome resolution to be enlightenment on this merchant and also restoration of my funds and information from the merchant and block access from everyone itself from payroll employer and account holder which is me I also would like to expeditiously ask that these manners be handled at your earliest convenience to whom it may concern due to some expedited emergency issues with funny and the luck communication with not only the merchant but Bank also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-10 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: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation