vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Sold my info to a Third party debt collector which now they are saying I owe them which is against the law CODE 15 USC 1681 ( VALIDATION OF DEBT )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Sold my info to a Third party debt collector which now they are saying I owe them which is against the law CODE 15 USC 1681 ( VALIDATION OF DEBT )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
What Happened : I was the victim of a fraudulent scheme involving the platform XXXX XXXX. 
I transferred {$11000.00} to my Coinbase account, including {$6600.00} via wire transfer from XXXX. 
After funding my Coinbase account, I was misled into sending cryptocurrency ( XXXX XXXX XXXX ) to the scammers external wallets. 
Coinbases Response : I reported the fraudulent transactions to Coinbase and provided them with updated wallet addresses that the scammers are using. 
Instead of investigating further, Coinbase closed my case and stated that all transactions are irreversible, even though they have the ability to flag suspicious activity. 
Coinbase refused to provide any assistance in recovering my funds, despite my immediate fraud report. 
Complaint Against Coinbase : Coinbase failed to take appropriate action in my fraud case. 
They did not conduct a thorough review or assist in flagging or tracking the fraudulent wallets. 
Their refusal to escalate the case leaves me without options for recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
I was shocked to find accounts on my credit report that I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely unacceptable and must be corrected immediately. I need to know how this happened and why my report contains inaccurate information that is harming my financial profile.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Subject : Urgent : Identity Theft Complaint Fraudulent Bank of America Account Complaint Details : Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint regarding a fraudulent account that has appeared on my XXXX credit report. I am a victim of identity theft, and my personal information was stolen and used by an unknown third party. 

Fraudulent Account Details : Bank Name : Bank of America Account Number : XXXX Account Type : Revolving Bureau Code : Individual Account Status : Derogatory Open Date : XX/XX/year> Monthly Payment : {$0.00} Fraudulent Charges ( Balance ) : {$170.00} I have never opened, authorized, registered, accessed, paid for, or signed any documents related to this account. This is not my account, yet it continues to appear on my XXXX credit report. 

Actions Taken : Filed an FTC Identity Theft Report FTC Report Number : XXXX Contacted Bank of America I reported the fraudulent account directly to the bank. 
Contacted XXXX I disputed this account with XXXX, yet it remains on 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 explanation
Consumer complaint received 2025-02-28 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: NJ

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 2025-02-28 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: NJ

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 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 2025-02-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A thorough review of my credit record revealed problematic late payment entries that remain unresolved despite my diligent efforts to address them. Over 30 days have passed since I sent formal letters requesting validation of these entries, yet I have received no response or satisfactory explanation for their continued presence. This lack of communication and proper validation raises significant concerns about the accuracy of these reported late payments.

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 2025-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Last year, USDOE stated XXXX XXXX XXXX XXXX XXXX was considered to be FRAUDULENT and MY DAUGHTERs STUDENT LOANS with XXXX were forgiven. I had taken out XXXX loans as well and in XXXX I transferred them from USDOEXXXX ( I believe ) to XXXX/FirstMark to lower my interest rate from over 8 % to 5.19 % and to lower my payment now that I am on Social Security since retiring. 

I called my Loan Servicer ( XXXX/FirstMark ) and was told that even though these loans are in their systems as Education Transfer/Refinance, they DO NOT consider FRAUD as a reason for discharging the loans and the loans are considered private loans with them. I asked if this was something I signed in the paperwork when I transferred the loans ( to lower my interest rate from over 8 % to 5.19 % and lower my payment ) and she said it is their policy not to forgive loans if the institution closed or is considered to be fraudulent. 

I feel that I am being punished because I did something to lower my interest rate and payment amount. I am now on Social Security and this payment is more of hardship as it takes over XXXX of my monthly benefits. 

Please see what you can do regarding this. My outstanding balance is currently less than {$40000.00}. 
To me it seems that XXXX should refund any payments made and the remaining balance since XXXX XXXX XXXXXXXX was determined to have committed fraud last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was breached and sold in the dark market I believe. These accounts I never inquired about and dont belong to me

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 2025-02-27 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score of numerous accounts on my credit. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score of numerous accounts on my credit. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed on Cash App and contacted support immediately after being made aware. An imposter pretended to be a local buisness and was sent {$450.00}. I was given a partial refund on {$250.00} on a XX/XX/XXXX after Cash App completed their investigation that I was in fact scammed. I asked several times why I was only given a partial refund. Cash Apps website specifically states verbatim Cash Apps secure platform provides additional layers of security and XXXX fraud monitoring designed to actively protect and defend your money. *. They refuse to refund the additional {$200.00} despite their investigation. They have given me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I filed a dispute for incorrect information and they have failed to provide all the information on the 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 2025-02-27 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: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I HAVE PROBLEMS WITH THE XXXX COMPANY, I WAS THEIR CUSTOMER FOR SEVERAL MONTHS IN THE MONTH XX/XX/year>, I CALLED TO CANCEL MY SERVICES WITH THEM, THE PERSON WHO HELPED ME TOLD ME TO GO TO THE NEAREST XXXX STORE TO DELIVERY THE DEVICES OF THIS SAME COMPANY, WHICH WAS DELIVERED AT THE OFFICE CLOSEST TO MY HOUSE IN THAT SAME MONTH XX/XX/year>, AND MY ACCOUNT WOULD BE CLOSED, SO NO SERVICE OR BILL WITH THEM, IT TURNS OUT THAT I, XXXX XXXX, HAVE XXXX INTERNET ACCOUNTS WITH THEM, AT THE SAME ADDRESS AND IN MY NAME, WHEN I HAVE PROOF OF THE LAST PAYMENT I MADE, THEY CONTINUED CHARGING THE AUTOMATIC PAYMENT OF MY ACCOUNT AND WITHOUT SERVICES FROM THEM AND WITHOUT DEVICES FROM THEM, WHICH THEY CONTINUED CHARGING ME BILLS, WITHOUT SERVICE AND WITHOUT DEVICES, IT TURNS OUT THAT THEY SEND ME TO COLLECTION FOR LATE PAYMENT, ( 106.5 AND TODAY I SEE THE RESULT IN MY CREDIT REPORT THAT DROPPED 139 POINTS, THEN I CALL THE COMPANY TO ASK FOR INFORMATION ABOUT THIS CASE, THEY TELL ME THAT IT WAS AN ERROR OF SOMEONE WHO HAD SERVED ME AND THEY GAVE ME A DISCOUNT OF {$57.00}, AND I STAY TO CALL A SUPERVISOR, WHICH CALL HAS NOT ARRIVED AND I NEED THEM TO REMOVE THAT FROM MY CREDIT REPORT AND THAT DEBT WHICH WOULD NOW BE {$48.00}, AND THAT I RETURN MY SCORE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
Lawsuits against Transunion Experian, and Equifax, are proving that these reporting agencies are doing sham investigations and are not reporting information properly or correctly. 
They have been lying about these investigations for years!!!

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 2025-02-27 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: GA

Complaint narrative:
Lawsuits against Transunion Experian, and Equifax, are proving that these reporting agencies are doing sham investigations and are not reporting information properly or correctly. 
They have been lying about these investigations for years!!!

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