vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
On XX/XX/year>, I lost my employment and immediately contacted the mortgage company to let them know and to apply for a forbearance. I was told by the loan XXXX they do not offer forbearance options and was told I can apply for a loan modification. The loan XXXX also informed that in order to qualify for a loan modification, I have to be 60 days past due on my payments. It is a requisite from the company but I can start the modification process. They also advised that the missing payments would be reported and I advised them that is unfair and an injustice. 

I was finally approved for the loan modification on XX/XX/year> but they reported to all three credit bureaus those missing payments as late when I was forced not to make any payments while in the modification process and they do not offer forbearance options. This is an injustice committed and many homeowners will suffer the same issue due to situations that are not in our control.

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 2025-02-20 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: GA

Complaint narrative:
On XX/XX/year>, I lost my employment and immediately contacted the mortgage company to let them know and to apply for a forbearance. I was told by the loan XXXX they do not offer forbearance options and was told I can apply for a loan modification. The loan XXXX also informed that in order to qualify for a loan modification, I have to be 60 days past due on my payments. It is a requisite from the company but I can start the modification process. They also advised that the missing payments would be reported and I advised them that is unfair and an injustice. 

I was finally approved for the loan modification on XX/XX/year> but they reported to all three credit bureaus those missing payments as late when I was forced not to make any payments while in the modification process and they do not offer forbearance options. This is an injustice committed and many homeowners will suffer the same issue due to situations that are not in our control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
TSI sent a request for {$300.00} on XX/XX/year>, account XXXX ; I paid it in full over the phone on XX/XX/year> with XXXX XXXX confirmation XXXX XXXX at which time I made it clear I needed a receipt of payment and an itemized bill. It is now a year later, I've called several times to follow up including today XXXX and still have not gotten either. TSI has no problem demanding money but doesn't seem to have any interest in telling people that it's paid in full or what they paid for. Sounds illegal to me! I certainly have a right to proof of payment and what services were rendered, regardless of who takes payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent activity on my credit report linked to identity theft. A XXXX XXXX XXXX XXXX account ( XXXX XXXX ) was opened in my name without authorization, as documented in my FTC Identity Theft Report XXXX XXXXXXXX ( submitted XX/XX/XXXX ). Despite disputing this account multiple times with XXXX, XXXX, and XXXX, it remains falsely verified. 

Key Violations : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Credit bureaus failed to conduct a proper reinvestigation despite receiving the FTC report. 

FCRA 615 ( f ) ( 15 U.S.C. 1681m ) : Midland Credit Management ( MCM ) continued reporting this invalid debt without validating its legitimacy. 

FDCPA 809 ( 15 U.S.C. 1692g ) : MCM failed to provide written verification of the debt upon request. 

Evidence : FTC Report XXXX XXXXXXXX ( attached ). 

Prior credit bureau dispute confirmations.

MCMs refusal to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one customer from XXXX. Capital one continues to mislead and use deceptive business practices and false statements regarding the interest that consumers received relating to checking account 360 advertised. Furthermore I filed a complaint with CFPB to only be given the phone number to the customer service department with no resolution as capital one mislead me again by the letter enclosed indicating that they want to resolve these issues. Furthermore the institution is playing a game of cat and mouse and not offering resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Violation of 15 U.S. Code 1681o Negligent Noncompliance Dear, I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. I have reason to believe that [ Company Name ] has failed to comply with its obligations under the FCRA, resulting in harm to me. 

Details of the Violation : On XX/XX/year>, I reported id theft issue with XXXX XXXX 
Despite my request, failure to investigate a dispute, This failure to act in accordance with the FCRA has caused me harm, including [ describe harmfinancial loss, emotional distress, denied credit, higher interest rates, etc. ]. 

Under 15 U.S. Code 1681o, companies that negligently fail to comply with the FCRA are liable for actual damages sustained by the affected consumer, as well as the costs of legal action, including reasonable attorneys fees. 

To resolve this matter, I request that you [ state your demande.g., correct the inaccurate information, provide a written explanation, compensate for damages, etc. ] within [ reasonable timeframe, e.g., XXXX or XXXX  days ] of receiving this letter. If I do not receive an appropriate response within this timeframe, I will consider pursuing legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your corrective actions or position on this matter. I appreciate your prompt attention and cooperation. 

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 2025-02-20 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: OH

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 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 2025-02-20 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: OH

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: NY

Complaint narrative:
I RECEIVED A NOTICE FROM ASSET RECOVERY SOLUTIONS STATING I OWE A DEBT TO XXXX XXXX  WHEN I OWE NOTHING TO ANYONE. XXXX IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! ASSET RECOVERY SOLUTIONS LLC NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I HAVE ALSO REACHED OUT TO XXXX/ XXXX XXXX XXXX AND REQUESTED A DEBT VALIDATION BUT WAS ONLY SENT AN ACCOUNT SUMMARY WHICH DOES NOT PROVE THIS DEBT IS MINE. THIS IS RIDICULOUS AND I AM NOT OKAY WITH YOU COMPANIES HARASSING ME WHEN NO ONE HAS BEEN ABLE TO VALIDATE THIS DEBT. I AM IMMEDIATELY REQUESTING AN INVESTIGATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/XXXX, an online purchase was made for {$40.00} at XXXX, but cancelled about an hour later verbally ( phone call ) and in writing ( email ). [ My daughter looked the company up and found it to be unreliable, so I cancelled immediately. ] The company responded in writing that the order was cancelled ; both emails have been retained. That same day the online company hit my credit card for nearly {$400.00}. Discover was called immediately and helped to remove the fraudulent charges. 
The Discover card that my wife and I opened in XXXX is a joint account - 2 cards with the same number- and since we spend responsibly, we don't tend to monitor each other 's purchases. My daughter recently noticed, while helping my wife with something, that XXXX had been charging our credit card - sometimes 4 and 5 times a month- since XX/XX/XXXX! 
We called Discover immediately. The agent on the phone was very polite and helpful- but then we received THIRTY individual letters in the mail- each with a different case number for each of the charges made in the current year. Each letter demanded that we provide documentation that each charge was not made by us. (!?!? ) How do you provide proof of an act that did not exist?? 
My daughter who taught law and worked briefly as a paralegal ) wrote a letter for us enclosing a copy of the original cancelled order email and documentation of Discover cancelling the original fraudulent charges with an explanation of the failure to notice the charges on our part. 
Two months later, we received 30 more letters saying our " proof '' was inadequate.

We have closed the account to prevent further charges and filed an FTC complaint against XXXX. 
Our issue with Discover is the passive-aggressive response to our plight ( 30 separate case mailings ) and their failure to alert us when the 1st charges came in from a company already proven to be predatory. [ Our experience with XXXX XXXX has spoiled us- they call immediately with any possible issues and always treat us with respect. ) We do not expect any action with respect to the fraud. Discover already paid them and we paid Discover, but we DO feel that this lack of care for their cardholders should be be documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from Equifax which also caused my information to be exposed. And identity theft. 

The following are accounts that are fraudulent XX/XX/XXXX account number XXXX opened on XX/XX/XXXX XX/XX/XXXX opened on XX/XX/XXXX under the account number XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XX/XX/XXXXXXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXaccount # XXXX opened on XX/XX/XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or 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 charge offs are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from Equifax which also caused my information to be exposed. And identity theft. 

The following are accounts that are fraudulent XX/XX/XXXX account number XXXX opened on XX/XX/XXXX XX/XX/XXXX opened on XX/XX/XXXX under the account number XXXX. 

XX/XX/XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XX/XX/XXXXXXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXaccount # XXXX opened on XX/XX/XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or 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 charge offs 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 2025-02-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Trying to negotiate payments due to extreme hardship. This is my second unsuccessful attempt to work directly with Chase and they are not willing to budge on APR and late fees without a giant sum of money I dont have. Charge off is next week. On top of that I have been refused access to my online account by two different representatives. I need to be able to see the account, not just pay them blindly. They also told me to go through a credit counseling agency. It's nonsense when they can work with me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent from Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit report agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TN

Complaint narrative:
My square account received an email from the square platform in XXXX! 

square is a company owned by Block , Inc . 

My account was deactivated by square, and my account funds will remain in square! But I will receive my account balance after XXXX  days of deactivation! 

Now my account has reached the release time! But square didn't release my funds! 

I contacted an internal member of square several times and he replied that he had upgraded the case internally and that his account service team would send me an email in XXXX days! 

I waited XXXX  years for my case to be resolved, and square 's account services team didn't send me any emails!

Company response to consumer: Closed with explanation