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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to express my concern regarding the improper use of my credit information associated with my account I have recently reviewed my credit report and noticed several discrepancies that I believe constitute improper reporting. Specifically, I found inaccuracies such as, e.g., incorrect account balances, late payments that were actually on time, or accounts that do not belong to me ]. These inaccuracies are affecting my credit score and my ability to secure loans or credit, which is concerning. 

Additionally, I am concerned that my information may have been accessed without my authorization. I would like to understand how my information was used and whether it was shared with any unauthorized third parties. 

I kindly request that you conduct a thorough investigation into these matters and provide me with an update on the status of my credit report. Furthermore, if any unauthorized access or use of my information is confirmed, I would appreciate details on how you plan to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 have had my bank contact CASH app about many fraudulent claims using my bank account associated to my account in CASH app and my bank refunded me but CASH APP has never reached out to find resolution. 

Per my bank, the merchant never gave any feedback, apologies, or admission and this is so FRUSTRATING. I have had these fraud charges disputed since XX/XX/year>. Nothing in these months from CASH APP. 

My bank account was also used in XXXX XXXX  SHOP and I do not even have a XXXX  XXXX  and I want to know if I am safe there and get refunded for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX PM, I accessed the Comenity Capital phone banking system ( XXXX ) and made a final payment to my account for {$1200.00}, receiving a confirmation number of XXXX. I was informed the payment I had made by phone had been returned, there was an issue with my bank. I confirmed the account number with the agent, it was correct and I reauthorized the {$1200.00}. payment Confirmation # XXXX. 
On my XXXX statement the payment made of {$1200.00}. was posted XX/XX/XXXX, and then reversed. In addition, charges were posted for : accrued interest {$870.00}, Returned Check charge of {$25.00}, Credit for the Returned Check charge of {$25.00} and Late Fee {$30.00}. This credit card had a promotion that was to expire after XX/XX/XXXX. 
Having made the payment via phone banking and double checking the following day the payment had been credited. I expected my payment had been processed before any expiration and possible accrual of interest/late fees. 
This was simply an error in the phone banking system and I should not be penalized for an error beyond my control. I am not responsible for the phone banking system. I can provide, copies of my bank statement showing the {$1200.00} was in my bank account the entire 2 months of this matter, expecting to be deducted for the payment to Comenity Bank. The credit card company had access to my contact information and should have contacted me if a correction was necessary. Instead the default was to allow the error to continue so I could be charged another {$870.00}. XXXX + interest and fees.

Company response to consumer: Closed with monetary relief
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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX I got an email alert from XXXX stating that I had a new Bank/Credit Card Inquiry on my credit report. I logged into my XXXX account and saw that there was a hard inquiry from my credit card company, Nordstrom Card, on my report. I called XXXX and was told that since it was not done by someone that I am not aware of then they could not remove it and to contact Nordstrom so that they could resolve it for me.

I called Nordstrom and told the customer service rep my concern with an inquiry that I did not authorize on my credit and was told since my account is in collections I had to talk to a different department ; I was transferred to another department and they advised me this is an attempt to collect a debt. I asked them why did they perform a hard inquiry on my credit report and was told that they needed to verify my number since they have not had luck reaching me. I told them that is not a valid legal reason to do a hard inquiry on my credit and to remove the inquiry ; the rep put me on hold and then came back on the line stating that it is legal to verify my phone number if they can not reach me. I told them that I would be reporting them and disconnected the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle allowed me to send money erroneously to the wrong recipient.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
Im frustrated to see multiple inquiries from your company on my credit report that I never approved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to request the immediate removal of incorrect debt collection accounts from my credit reports with TransUnion, Equifax, and Experian. I sent credit validation letters on XX/XX/XXXXXXXX XXXX XXXX  and have received no response or removal of these accounts, which violates my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts are inaccurately reported 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 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: CA

Complaint narrative:
I am filing this complaint to request the immediate removal of incorrect debt collection accounts from my credit reports with TransUnion, Equifax, and Experian. I sent credit validation letters on XX/XX/XXXXXXXX XXXX XXXX  and have received no response or removal of these accounts, which violates my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts are inaccurately reported 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
The charges are not itemized or explained. 
No documentation has been provided to justify the amount. 
The company is attempting to collect without proper validation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
This debt has been reported to the credit bureaus, harming my credit score, even though it remains unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
I regrettably signed up for a loan with this provider. However, upon research, it appears that they violate Washington state law regarding loan servicing and providing. 

The loan is serviced by Opploans, provided by XXXX @ 160 % APR for XXXX. 

However, when reviewing the CLA, it states : CLA - Consumer Loan Act. Bill 6025. All consumer loans in Washington are capped at 25 % APR under the amended CLA. 
Applies to anyone physically located in the state. 

States that " A person may not engage in any device, subterfuge, or pretense to evade the requirements of this chapter including, .... or making, offering, assisting, or arranging a debtyor to obtain a loan with a greater rate of interest, consideration, or charge than permitted by this chapter through any method And.. " if a loan exceeds the rate permitted under this chapter, a person is a lender making a loan subject to the requirements of this chapter notwithstanding the fact that the person purports to act as an agent, service provider, or in another capacity for another person that is exempt from this chapter,

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I went into the title max store to make a payment on an exisiting title loan. While in the store I asked a store associate why my previous paid off loan and the loan I am currently making payments on was not reflecting on my credit report. The associate handed me a brocure of some sort that explained credit reporting but not how Title Max reports to the bureaus. I reached out to the credit bureau XXXX and was told that the consumer doesnt report their own credit and that the company recieving payment from the comsumer does '' which is something I already knew. The next day I called title max and told them and also questioned them on how I could get my loan payments reported to the credit bureau. I was given the run around and met with being told they are not sure how that process works. On XX/XX/year>2025 I reached out to title max store. The young lady who answered told me she did not know anything about reporting. I then found the number to corporate to Title Max. I was told that, credit reporting would be something a XXXX at the current store my title loan was at could help me with. I told the young lady at the corporate office that I have already attemted to do so and that I have been given the run around and that I would just like my current title loan and previous paid off title loan reported to the credit bureau as it should be. I still did not get any closure to this situation.

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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint against the following debt collectors for failing to provide proper validation of the debts they are attempting to collect, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent debt validation requests to the companies listed below, requesting proof that these debts are valid and belong to me. To date, I have received no response, nor any validation of these debts, yet they remain on my credit reports. The debts in question are : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Midland Credit Management XXXX. Opened XX/XX/XXXX {$890.00} XXXX  Opened XX/XX/XXXX {$2300.00}

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: Kelsting Group, Inc.
State: CA

Complaint narrative:
I am filing this complaint against the following debt collectors for failing to provide proper validation of the debts they are attempting to collect, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I sent debt validation requests to the companies listed below, requesting proof that these debts are valid and belong to me. To date, I have received no response, nor any validation of these debts, yet they remain on my credit reports. The debts in question are : 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On one of our three checking accounts with this financial institution, I noticed that the amounts debited from XXXX were 25 % lower than being deposited in our account. For that last 48 days this practice has continued. 
We were never notified by email or phone call that our revenue stream had changed the requirement for banking with Wells Fargo. Instead, they chose to hold 25 % of each and every daily deposit as punishment The paperwork was supplied over 20 days ago. 

We have spoken with no more than 4 different XXXX XXXX XXXX centers to see where the missing XXXX XXXXXXXX funds are and when they will deposited back into our XXXX account. 

We continue to be promised that someone from " XXXX '' within our city will be in touch. We are on our fifth request to speak to someone working in the XXXX  XXXX area and have yet to speak with a certified agent from Wells Fargo. 

I have no delusion that the funds held for 48 days will be returned with interest.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute & Debt Validation Request FCRA & FDCPA Compliance Required Account Name : XXXX XXXX XXXX XXXX Allegedly Owed : {$2300.00} Dear XXXX XXXX XXXX and TransUnion, I am writing to formally dispute the above-referenced account appearing on my TransUnion credit report. This dispute is being submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 809. 

XXXX XXXX XXXX XXXX for Debt Validation ( FDCPA 809 ) 1. Under the FDCPA 809 ( b ), I am requesting that you provide the following documentation within 30 days as proof of your right to collect this debt : Complete Account Statements from the original creditor proving the alleged balance of {$2300.00} is accurate. 

2. Proof of Assignment or Purchase Agreement between you and the original creditor, establishing your legal authority to collect. 

3. A Copy of the Original Signed Contract showing I agreed to this debt.

4. A 1099-C Form if this debt has been charged off and is uncollectible per IRS guidelines . 

If you can not provide these documents, you must immediately delete this account from all consumer reporting agencies, including XXXX. 

TransUnion Formal FCRA Dispute ( FCRA 611 & 623 ) Additionally, I am disputing the accuracy and completeness of this reporting under FCRA 611 for the following reasons : The original creditor name is missing, violating FCRA 611 ( b ) ( 1 ) ( B ). 
The balance is inaccurate, and I demand verification under FCRA 623 ( a ) ( 1 ) ( B ). 
The account is marked as " Consumer disputes reinvestigation in progress '', and if this dispute has exceeded 30 days, it must be deleted immediately per FCRA 611 ( a ) ( 1 ). 
Under the FCRA 611 ( a ), you are required to complete this reinvestigation within 30 days. If you can not verify the accuracy of this account with documented proof, you must remove it from my credit report immediately. 
Notice of Legal Intent Failure to comply with my request will result in the following actions : I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of the FCRA and FDCPA. 

I will consider pursuing legal action for damages under FCRA 616 and FDCPA 813, which allow statutory damages of up to {$1000.00} per violation plus actual damages. 
Please send all written correspondence to my address listed above. If this account is not removed or validated within the required timeframe, I will escalate this matter accordingly. 

Sincerely, 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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am victim of identity theft, my personal information was stolen or compromized and as results I've got one fraudulent account on my credit report which belong not to me and which I have never authorized or registered before. Also I have never submit it, I have never logged on it, I have never paid for it and I have never signed any documents on it. 
Here are all the details of this one fraudulent account : DISCOVERBANK Account # : XXXX Account Type - Detail : Credit Card Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation