vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
I sent evidence of exact date I was no longer legally responsible for property as it was turned over to XXXX XXXX. I was fraudulently billed for XXXX, XXXXXXXX XXXX XXXXXXXX and information sold to a third party collection agency for debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
I got an email saying i could refinance and pay less on my payment which worked for me and I called because I got paid the following day was promised it would be fine and work and they would postpone the auto payment. next day it wouldnt let me refinance called in and was told it would be investigated and not to worry it would be handled same day and I would get a call back and never did. NOTHING BUT LIES from company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am receiving nonstop telephone calls at work and before XXXX XXXX  all the way throughout the day and even after XXXX XXXX. Ive requested numerous times to send me information in the mail regarding what they are asking and I have never received anything. This is creating undue stress and hardship to me and I want it stopped and I would like to take action against them to receive damages. Can you help me with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I send a payment of {$500.00} to someone. But I get a email stating that the transaction needed further review before it could be sent. I realized an already sent the money earlier in the month. So I didn't confirm the transaction. And it said if we didn't hear from you it would be canceled and the funds would be returned in 48 hours. But apparently cash already sent the payment. But my cash app activity says I should have it refunded back to my balance. But no money is in there I didnt confirm payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX {$2100.00} open XXXX, XXXX XXXX XXXX  {$600.00} open XXXX, XXXX XXXX {$570.00} open XXXX, XXXXXXXX XXXX XXXX  {$5400.00} open XXXX, XXXX XXXX XXXX  {$630.00} open XXXX XXXX XXXX XXXXXXXX {$45000.00} open XXXX, XXXX XXXX XXXX {$46000.00} open XXXXXXXX XXXX XXXX  {$30000.00} open XXXX, XXXX XXXX {$9400.00} open XXXX, XXXX XXXX XXXX {$87000.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2024-12-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00}

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX I received a a yearly credit report XX/XX/XXXX, and I see that Wells fargo is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes.

I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off.

If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and XXXX XXXXXXXX XXXX XXXX XXXX. Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, on XX/XX/year>, I received notification in my email that I was charged {$1600.00}, {$1200.00}, and {$560.00} on my employee card from XXXX. I never let my employee make any purchase without my authorization, which I also confirmed with my employee. I immediately called American Express to ask them to replace the card number and dispute the amounts. but after a few days, I checked online banking to check the disputed status and I did not see any disputes, so I went back to the above transactions and filed the dispute online this time. Still, they rejected my disputes and made me liable for the transaction that I never made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i disputed negative accounts and addresses with XXXX, equifax and XXXX they have not block and remove all information associated with Identity Theft.i disputed these items XX/XX/year> and they have not respected FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a XXXX as of XX/XX/XXXX. I need the form XXXX immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a XXXX as of XX/XX/XXXX. I need the form XXXX immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after XXXX and I could not pay on the debt. 
I have not received a XXXX as of XX/XX/XXXX. I need the form XXXX immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS XXXX Internal Revenue Service ), and XXXX XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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 explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
CEASE AND DESIST OF UNAUTHORIZED FRAUDULENT REPORTING PART 2 THIS IS FROM XXXX XXXX XXXX ) Please send the original application 2 ) The beginning date and ending d ate of the contract 3 ) The last date this debt received a payment. 4 ) What's the insurance amount on this contract/debt 5 ) Copy of my written signature & a photocopy of my ID, and my SSN card. 6 ) Please send the application that shows I gave anyone person permission to use my name or Information to report on my consumer report. I don't recall giving consent to put these accounts on my report. XXXX ) Also send me copies of ALL XXXX warning letters that the creditor sent to me if this was my debt and to rectify this debt. XXXX ) Send me a copy of the Forward Flow Agreement XXXX ) Copy of my Bond and the highest Bond Bidder associated with these debts. It's a violation to report anything on my consumer report. I didn't give you written consent remove it immediately this is identity theft per code 15 USC 1681 B permissible purpose. All rights reserved Ucc 1-308 XXXX XXXX XXXXXXXX XXXX XXXX I XXXX XXXX XXXXXXXX., I'm a natural person and this dispute etuspdi isn't coming from a XXXX " party I recently received a copy of my consumer report and I noticed there are XXXX accounts that are posted on my consumer report. I'm requesting that these accounts be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction | U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SEND REQUESTED DOCUMENTS OR delete these accountS : 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

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 2024-12-31 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:
CEASE AND DESIST OF UNAUTHORIZED FRAUDULENT REPORTING PART 2 THIS IS FROM XXXX XXXX XXXX ) Please send the original application 2 ) The beginning date and ending d ate of the contract 3 ) The last date this debt received a payment. 4 ) What's the insurance amount on this contract/debt 5 ) Copy of my written signature & a photocopy of my ID, and my SSN card. 6 ) Please send the application that shows I gave anyone person permission to use my name or Information to report on my consumer report. I don't recall giving consent to put these accounts on my report. 7 ) Also send me copies of ALL XXXX warning letters that the creditor sent to me if this was my debt and to rectify this debt. XXXX ) Send me a copy of the Forward Flow Agreement XXXX ) Copy of my Bond and the highest Bond Bidder associated with these debts. It's a violation to report anything on my consumer report. I didn't give you written consent remove it immediately this is identity theft per code 15 USC 1681 B permissible purpose. All rights reserved Ucc 1-308 .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX., I'm a natural person and this dispute XXXX  isn't coming from a XXXX " party I recently received a copy of my consumer report and I noticed there are XXXX accounts that are posted on my consumer report. I'm requesting that these accounts be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction | U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SEND REQUESTED DOCUMENTS OR delete these accountS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Some years ago, I used Lexington law and XXXX to fix my credit but to no avail. I paid for services that weren't provided to me in an attempt to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I was in jail XX/XX/XXXX and I told my realtor to hold my car and I had no way to report my car stolen because theres no way to call the bank from the jail housing. My relative took XXXX and some dollars twice and I would like my money back in the bank refuses to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the DISCOVER BANK block REPORTING information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Discover Bank. I do not recognize the aforementioned account. The aforementioned account and late payments 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation