vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that | have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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 2025-02-04 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: IL

Complaint narrative:
Please remove the following from my account XXXX - XX/XX/year> and update my name as my actual name it's not an alias. I also, have attached my FTC report. Please remove as this inaccurate information is hindering my ability to obtain new credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I just look at my credit report and I see something in collection from XXXX. I don't have XXXX, this cable/cellular account isn't line

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of all accounts and inquiries listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these items are the result of identity theft and are not legitimately mine. I have not authorized these accounts or inquiries. 
I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following accounts and associated information must be blocked and deleted from my credit reports immediately : Accounts : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} OXXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$94.00} XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} ( Please note : If this XXXX filing is legitimate, you should not dispute it. Only dispute items that are not yours. ) Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authrization I the consumer may have given you written, unwritten, verbal and non verbal per 15USC 6802 and privacy act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: VA

Complaint narrative:
I entered in to a contract with National Debt Relief XX/XX/XXXX to reduce my debt. I paid them {$150.00} per month to negotiate lower payments with my creditors. I was advised to stop paying my bills and ignore creditor calls. I was told that it would take between 120-180 days to negotiate settlements and to forward all creditor correspondence to them. What they didnt explain is that they negotiate lower payments, but dont apply any of the money that you send them until you reach a certain amount. I was told this later in the process. Meanwhile, your credit score is getting worse. On XX/XX/XXXX absolutely nothing was done with the creditors and all of my accounts were in collection status. I was told that the payments that I was sending was being put into a dedicated savings account. Ultimately, I cancelled my account with National Debt Relief. My credit got so bad as a result of dealing with them, that I had to file for bankruptcy, making me worse off than when I secured heir services. I constantly see their ads on social media and I know I can be the only person that was scammed. My credit and my ability to live has been greatly affected by dealing with this unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys Name and Address TD AUTO FINANCING RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The item was returned and the company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because TransUnion has denied me access to my credit report, effectively preventing me from viewing or monitoring my credit information. Despite multiple attempts to access my report, I was completely blocked and unable to obtain any information about my credit accounts. 

Additionally, I requested copies of past credit dispute records and the results of those disputes. I was informed by TransUnion that they do not maintain records of past disputes or their outcomes. This lack of record-keeping is concerning and seems to violate federal regulations, as consumers are entitled to accurate and transparent information regarding their credit history and dispute resolutions. 

These issues occurred most recently on XX/XX/year> when I contacted TransUnion directly to resolve the matter. Their refusal to provide access to my report and records is negatively affecting my ability to manage my financial health. I request immediate assistance in gaining access to my credit report and a full investigation into TransUnion 's record-keeping practices.

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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I have never had dealings with XXXX XXXX XXXX XXXX. This is a fraud collection & this agency needs to be investigated. Searching this agency up will show numerous others dealing with the same issue. Under the FDCPA I need full breakdown & verification of debt. I want this false collection deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys Name and Address APPLE CARD GS BANK RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
Its a collection on the account XXXX keeps saying its verified but fails to give me the information or show proof of the verified information they have for credit corp solutions opened XX/XX/XXXX as well as XXXX XXXX XXXX opened XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I XXXX XXXX is making a statement I received an email from collection agency Transworld Systems INC such as XXXX on XXXX XXXX at XXXX which states I allegedly owe {$1600.00} I asked for validation of debt. This company have no right to email me, or contact me via phone I did not give consent to either. This collection agency shouldnt be contacting me as if I owe them anything this is violation of the FCRA. Respectfully requesting that you provide adequate validation of this debt you claim I owe, a disclosure with my signature, last activity, payment activity, along with an agreement between you and I which states it allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money you claim I owe. This account is under litigation ; according to FCRA section 605B it is illegal to report information on my credit report without my permission/consent. Please remove this item from my credit report as it is violation the FCRA. However I was not sent a letter stating this information would be reporting to the credit agencies to be placed on my report which is another violation. I did not give this company permission to report anything on my credit report. XXXX XXXX is at fault here being that my information was passed along to this collection agency without my permission I did not receive notification this was being added to my credit report which I did not give consent to. The email I received also states theyve sent communication regarding this alleged debt owed to them XXXX which is inaccurate. I have not received any piece of mail via XXXX from TRANSWORLD SYSTEMS of no kind however I requested validation of debt. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) both allow for statutory damages of up to {$1000.00} for violations. This means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency or credit bureau that violates the law XXXX XXXX XXXX is violating the FCRA .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Use my XXXX XXXX XXXX for family and friends reasons woke up one day and my account was restricted called and was told account will be restored in 48 hours and never did called back and was told it was restricted and I asked why and wasnt giving the information I was needed was told it was confidential. I only use my XXXX XXXX for good reasons to send and receive payments. No explanation is unjustified for me I could understand if it was fraud reasoning or anything that has to do with my identity but was never giving that information. No email stating this reason also. You cant justify fraud or anything negative unless you do a thorough review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Dear Reader, I am writing to formally dispute inaccuracies I discovered on my credit report, which I reviewed in XX/XX/year>. Upon reviewing the report, I found several discrepancies that I believe are incorrect. Specifically : XXXX XXXX account ( ending in XXXX ) : This account is listed as being opened on XX/XX/year>. I believe this is an error and request that it be investigated. 

Inquiries : XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX XXXX XXXX : Listed inquiry on XX/XX/year>. 
XXXX  XXXX : Listed inquiry on XX/XX/year>. 

I have already contacted TransUnion via phone to report these inaccuracies and have sent supporting documentation by mail and for months nothing has changed. I kindly request that you investigate these discrepancies and provide me with an updated and accurate report at your earliest convenience. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and notify me of the results as soon as possible. 

Sincerely, 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
account. 
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 ans 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