vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
I am formally disputing the following accounts and inquiries on my credit report. These entries are the result of fraudulent activity and identity theft. I am invoking my rights under Section 605B of the Fair Credit Reporting Act, which requires the immediate removal of any information resulting from identity theft. 
The accounts in dispute are as follows : XXXX XXXX XXXX - Account Number XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number XXXX o Date Opened : XX/XX/XXXX o Balance : {$7200.00} XXXX. XXXX XXXX - Account XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. XXXX - Account XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$310.00} The inquiries in dispute are as follows : XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards Your name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Comenity Bank assured me they would remove two improper inquiries from my account. For one inquiry, XX/XX/year>, they claimed they couldn't access my report, yet still placed a hard pull. The second inquiry, XX/XX/year>, was made without my permission. Please follow through on your commitment to remove these, as the promised timeframe has passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested for Transunion to XXXX XXXX Back onto my credit report. I accidentally included XXXX, XXXX XXXX, & XXXX XXXX in a previous dispute since I am a victim of XXXX XXXX  however, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX belongs to me. My XXXX  Advisor at My Program created the Dispute Letter For me however, she accidentally included those accounts however, those accounts belong to me. I forgot to look over the letter before I submitted it I already requested XXXX XXXX XXXX XXXX to reinsert those accounts onto my report. I am awaiting Transunion to approve the reinsertion since I AM CONFIRMING THAT THOSE ACCOUNTS BELONG TO ME. 

It is Transunion job to report my information accurately. 

All the other accounts are still fraudulent and I request that they stay permanently deleted.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Best Regards Your name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards Your name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I called XXXX over a bag I had purchased however it was not XXXX. They were posing to be XXXX and then began to tell me that my XXXX account was being hacked for {$9000.00} through my XXXX  .using XXXX charges XXXX XXXX something I never heard of and told me I had to verify my account through XXXX I have only made a few transactions through XXXX but this time city detected fraud, suspicious activity, but did nothing to block my account stop the transaction from going through. They only sent me a letter a week later they took my entire Social Security money and then some total {$1900.00}. I feel that Citibank did nothing to protect my account. I have done a customer for over 40 years. Maybe its time to leave them.

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 monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Best Regards Your name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I purchased an XXXX XXXX XXXX from a business or a so called business come to find out and I sent them half of the payment upfront and then when I received the bird they were to get the second half of the payment. Well after I sent the first half of the payment they created a fake invoice with shipping details from a fake shipping company who then requested I send more money for insurance on the bird while it traveled and told me that I would be refunded every cent of the insurance money once the bird was delivered to my home. They requested another XXXX XXXX That would be refunded in cash as they hand the bird over to me. Well i did not pay that XXXX $ as it was never mentioned in any talks i had with the seller and it just sounded funny to me. And they then never shipped the bird and have not refunded me after numerous requests to be refunded. So i then let cash app know that I was scammed and that i paid for a bird and the bird was never delivered and i asked them to please refund me the money i was scammed from this company. And cash app has XXXX times denied refunding me saying no error occured. They are full of it. I was scammed. I have the emails and text messages to probe I was scammed and i just want my money back. What cash app is doing is unethical and poor customer service. I have truly been scammed and for cash app not to refund my money is illegal at best. I would like to file a complaint on cash app and would like whatever necessary actions to ensure they do not get to do this to anyone else taken and i would like my money that was fraudulently taken from me returned to me. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of identity theft, as confirmed by a recent data breach. Due to this incident, my personal information was compromised, resulting in fraudulent accounts being created in my name without my knowledge or consent. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit report. 
Please find the list of fraudulent accounts below : XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX XXXX Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/year>, we needed to provide our XXXX year-old daughter with a gift card to take on a band trip to another city whose venues did NOT accept cash. We purchased a Visa Gift Card from our local grocer at XXXX for {$100.00}. Later, we took our daughter to the store to show her how it worked and how she should use it. The card had a {$0.00} balance at that time. The store was apologetic, but could do nothing to help. 

We notified the bank who ISSUED the card, who continues to tell us that this matter is still under investigation. It has been months now. We have requested the vendor who accepted that card before we were able to use it, we requested the identity of the individual who used the card, we requested whether that particular card number and details were polled by any party in advance of our purchase. 

It is established that people manipulate these cards, obtain the information therein, and reseal the cards. They then poll those cards to see if any have become activated by a purchaser. Upon seeing a balance, these cards are then used immediately, draining them of value. 

All requests for any information from the banking institution were denied. 

The name of the institution ON THE CARD is XXXX XXXX, member FDIC. The name of the company taking calls PERTAINING to the card is Blackhawk Network.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: IN

Complaint narrative:
In XX/XX/XXXX I bought a gang sheet of XXXX Transfers for {$130.00} online I paid for XXXX XXXX because I knew I was moving the next month and needed the sheet right away. Per Their Website my order was due to me XX/XX/XXXX I Never Received Anything from XXXX Transfers before I moved. 

I requested a provisional credit for this amount from XXXX and I never heard back everytime I contact this bank they say they are " investigating '' furthermore I gave them proof that I moved and no longer had keys to the old address so if the item was delivered after XX/XX/XXXX I no longer had keys to the old apartment. 
I advised XXXX of this and they still have not given me my money, I tried to contact the XXXX XXXX XXXX and they blocked me. I reported them to the Attorney General for fraud. I now believe they are taking consumers money and they are not providing merchandise. It is Now XXXX XXXX, XXXX and I have not received my money or the product I ordered. I need help understanding why with all my proof submitted have not received my money back when this purchase occured in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
On XX/XX/year>, I filled out an application, in order to purchase a vehicle with credits, and gave the application to XXXX XXXX. XXXX XXXX delivered said application to Ford Motor Credit Company, who then submitted the application to a Federal Reserve Bank, and pursuant to said application they received XXXX XXXX in the form of credits of Federal Reserve Notes in an amount equal to the vehicle purchase price which I applied for. XXXX XXXX Dollars in XXXX Funds XXXX XXXX ). 

Upon Ford Motor Credit Company 's possession of the said Collateral Security, Credits for Federal Notes, they decided to take adverse action and refused to open my line to credits, depriving me of any Consideration equal pursuant to the agreement on the application. 

I authorized Ford Motor Credit Company to conduct business utilizing my estate and pursuant to said application, I authorized XXXX XXXX to recieve a Security Asset which is legal property of the principal and due to principal. Due to Ford Motor Credit Company 's actions I was refused equal Consideration in said agreement/Contract. 
This is a violation of Contract Law Requiring equal consideration has to be present to be a legal contract, and because of this I received losses in an amount equal to Sixty-Five XXXX Dollars in XXXX Funds XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
In XXXX of 2023 a sales rep came to my home and gave a pitch about the company XXXX XXXX of XXXX. I signed a contract and the company had me sign up for financing with Momnt. was told a final measurement would be completed, then the bathroom installation would be scheduled XXXX weeks after that pending on when materials would be recieved, but I would need to begin paying on the services right away. Although I had not recieved any services at the time Momnt contacted me a month later to set up payments. I begin to pay for 3 months with no services. I reached out to XXXX XXXX and was told my materials had not come in yet. I waited XXXX more months. I am still making payments to Momnt. After being ignored for almost 6 months by the remodeling company, I reached out to Momnt and let them know I would not continue to pay for services that were not recieved. Momnt put a provisional stop on payments to supposedly investigate. I continued to try and get in touch with someone from XXXX XXXX by phone and email in which there was no response. I also contacted Momnt about every XXXX to 3 months as they are the bank I paid to get an update on the investigation. All I'm told is the investigation is still ongoing and someone will contact me. It has been almost a year of investigation going on and no one has contacted issue, I have paid about {$2000.00} to this finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: AZ

Complaint narrative:
I have never visited XXXX XXXX XXXXXXXX, or anywhere near in my life. I have never used ambulance services. On XX/XX/year>, I received a bill from XXXX XXXX XXXX XXXX XXXX stating that I owe them a payment for an ambulance called to the address of a XXXX bus station. I contacted XXXX XXXX XXXX XXXXXXXX XXXX  on the phone to explain the situation. The representative quickly confirmed that the bill was indeed not related to me, and reassured me that I did not need to pay it or take any further action. The representative refused to disclose any further details about the ambulance service record that would help me understand why the error happend, the nature of service provided, or identity of the de-facto patient stating privacy restrictions. I did not receive any follow-up bills from XXXX XXXX XXXXXXXX XXXX XXXX after that call. On XX/XX/year>, Credit Service Intl Co flagged my account as Collections in relation to the XXXX XXXX XXXX XXXX bill in all the credit bureaus resulting in my credit score drop by more than XXXX points. The collection balance amount is {$1400.00} as of XX/XX/year>, including an accrued interest. I sent Certified Mail letters to XXXX XXXX XXXX XXXX XXXX and Credit Service Intl Co stating my case and requesting to remove this erroneous charge.

Company response to consumer: Closed with explanation