vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Two days ago approximately the XXXX of XXXX, I purchased {$170.00} in XXXX via cash app using fund from my personal bank account XXXX than went. to sell it as it dropped price significantly. I am unable to access my funds and they just tell me patiently wait. This is mishandling funds and plain theft. They legally need to return my money promptly, this is conveniently after the current cash app account has a claim in the finalizing settlement, this is once again cash app stealing money from me. This sort of corrupt business leads to tragedy. Eventual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-12-29 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:
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-12-29 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute XXXX XXXX an inaccuracy on my credit report regarding the payment history and payment status for the account referenced above. According to my records, the information reported by [ Creditors Name ] is incorrect and violates the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report be accurate and verifiable.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute XXXX XXXX an inaccuracy on my credit report regarding the payment history and payment status for the account referenced above. According to my records, the information reported by [ Creditors Name ] is incorrect and violates the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report be accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: HI

Complaint narrative:
I sent XXXX XXXX  on gcash using sendwave for my XXXX  last XXXX weeks ago, and the status is still processing until now. This was on XXXX XXXX, 2024 and then I checked on the other day, it is still in processing status. It says that the recepients first name is incorrect. I used his name always, but then I was shocked, why is it somethings wrong with his name. So I tried to contact you guys but it went to an automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent my Declaration of Trust packet to the bank for recording and deposit. The packet included my Trust Cover, Declaration of Trust ( notarized ), Schedule A, XXXX XXXX, Affidavit of Ownership for the Trust Account ( notarized ), {>= $1,000,000} Promissory Note ( signed and thumb printed; made payable to the bank for my account deposit ). Packet was sent via Certified Mail. On XX/XX/XXXX, I contacted the bank for the verification of the packet received. Banker said they did not receive the packet and said they would contact me once it came. Banker did not notify me. On XX/XX/XXXX, my XXXX account was closed due to insufficient funds. I called the bank on the same day that afternoon. I spoke to the same banker, she then said that they did have my Trust packet. I asked why was my account closed, and why wasn't my account accredited the {>= $1,000,000} note that was sent. She because my account closed since XXXX of XXXX. I then told her that she was referring to a previous account. She then corrected herself, then said my current is closed. She didn't give a reason for the closing of my Trust account, and said she'll consult with her managers. According to Contract Law, there were no refusal of the contract that was sent, and unlawfully closed my account without depositing the funds into my account. It's been more that XXXX weeks since the bank had the Trust instrument in the the banks possession. It was legally a breach of contract between a valid Trust Organization and a Financial Institution.

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 2024-12-29 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: IN

Complaint narrative:
During many of the unsolicited phone calls, I asked them to please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please remove from report. Nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-30 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: TX

Complaint narrative:
I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft. PLEASE BLOCK AND REMOVE this account from my consumer 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 explanation
Consumer complaint received 2024-12-29 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: AR

Complaint narrative:
NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
On XX/XX/year> I sent my FTC report and license to experian

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 2024-12-30 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: MA

Complaint narrative:
Subject : Notice of Legal Representation and Noncompliance with FCRA To the Institutions Demonstrating Willful Negligence and compliance to the Laws, It has come to my attention that despite my formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block all disputed information or items on my consumer credit report within four days, your agency has failed to comply with this legal requirement. Furthermore, no communication has been received from your office through the CFPB regarding the actions taken or the reasons for any delay or noncompliance.

Additionally, I must emphasize that your agency is obligated to block not only the disputed information or items requested but also any wrong information or items you are reporting on my consumer credit report. Failure to ensure the accuracy of the report violates your statutory responsibilities under FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates a troubling pattern of negligence.

As a result of your continued disregard for these obligations, I have retained a law firm specializing in Fair Credit Reporting Act ( FCRA ) violations to address this matter. My law firm is actively reviewing your agency 's actions and will pursue all available remedies, including : Filing a lawsuit to seek damages for willful noncompliance under 15 U.S.C. 1681n, including statutory damages, punitive damages, and compensation for financial and emotional harm.

Reporting your agencys noncompliance to other government authorities, such as the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, to ensure accountability and further oversight.

Please be advised that this is not merely a matter of dispute resolution but a legal issue that will now be handled by my law firm. Stemming from the statutes governed by the Rules of Laws, I trust that you will reconsider your obligations under the FCRA and take immediate corrective action to avoid further escalation.

Should your agency wish to communicate regarding this matter, please direct all correspondence to my law firm. Failure to comply with your legal responsibilities will result in further action through appropriate regulatory authorities and the courts.

Sincerely, [ Your Full Name ] [ Your Contact Information ]

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 2024-12-30 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: MA

Complaint narrative:
Subject : Notice of Legal Representation and Noncompliance with FCRA To the Institutions Demonstrating Willful Negligence and compliance to the Laws, It has come to my attention that despite my formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block all disputed information or items on my consumer credit report within four days, your agency has failed to comply with this legal requirement. Furthermore, no communication has been received from your office through the CFPB regarding the actions taken or the reasons for any delay or noncompliance. 

Additionally, I must emphasize that your agency is obligated to block not only the disputed information or items requested but also any wrong information or items you are reporting on my consumer credit report. Failure to ensure the accuracy of the report violates your statutory responsibilities under FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates a troubling pattern of negligence. 

As a result of your continued disregard for these obligations, I have retained a law firm specializing in Fair Credit Reporting Act ( FCRA ) violations to address this matter. My law firm is actively reviewing your agency 's actions and will pursue all available remedies, including : Filing a lawsuit to seek damages for willful noncompliance under 15 U.S.C. 1681n, including statutory damages, punitive damages, and compensation for financial and emotional harm. 

Reporting your agencys noncompliance to other government authorities, such as the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, to ensure accountability and further oversight. 


Please be advised that this is not merely a matter of dispute resolution but a legal issue that will now be handled by my law firm. Stemming from the statutes governed by the Rules of Laws, I trust that you will reconsider your obligations under the FCRA and take immediate corrective action to avoid further escalation.

Should your agency wish to communicate regarding this matter, please direct all correspondence to my law firm. Failure to comply with your legal responsibilities will result in further action through appropriate regulatory authorities and the courts. 

Sincerely, [ Your Full Name ] [ Your Contact Information ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service
State: AR

Complaint narrative:
Army Air Force Exchange account number XXXX, also reporting as Military Star account number XXXXThis is the account they fraudulently changed in XXXX of XXXX to XXXX.as if this was a new account, when this account is over 8 years old fraudulent making it look like its a new account that has just been put in collections after 8 years. I have filed dispute after dispute. I am not getting any information as to why this old account is still being reported on my credit report under a different account number that i have no knowledge of. This account was opened XX/XX/XXXX. They are reporting that the last payment received was on XX/XX/XXXX and the law states that they have to remove any account thats older than 7 years old or from the last payment thats older than 7 years old. They are also reporting that the account was closed on XX/XX/XXXX. Army Air Force Exchange account number XXXX. They changed it to XXXX.as if this was a new account under Military Star which is the exact same account changing the account number to make it look like a new account going in collection.

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 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I paid for a service through Cash App and it turned out to be a scam and they denied my claim because they stated it wasnt a scam eventhough I never received the goods

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I see that I have error on my EQUIFAX. I have 3 collections in EQUIFAX, in XXXX I have XXXX collection please immediately delete error in my equifax report. I have attached documents

Company response to consumer: Closed with explanation