vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: CO

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account had previously been removed from my credit file, but it has now reappeared without prior notification or justification as required by the Fair Credit Reporting Act ( FCRA ) Section 611. According to the FCRA, a credit bureau must notify a consumer within 5 business days if a previously deleted item is reinserted into the credit report, along with the name of the entity that provided the information.

I did not receive such notification, and therefore I am requesting the immediate deletion of this account from my credit report.

Please investigate this matter and provide a written response with the results of your findings. If you are unable to verify the reinsertion according to the FCRA, I request that the account be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account had previously been removed from my credit file, but it has now reappeared without prior notification or justification as required by the Fair Credit Reporting Act ( FCRA ) Section 611. According to the FCRA, a credit bureau must notify a consumer within 5 business days if a previously deleted item is reinserted into the credit report, along with the name of the entity that provided the information.

I did not receive such notification, and therefore I am requesting the immediate deletion of this account from my credit report.

Please investigate this matter and provide a written response with the results of your findings. If you are unable to verify the reinsertion according to the FCRA, I request that the account be removed permanently.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt.

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties.

2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified. 
Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy.

If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt. 

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties. 
2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified. 
Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy. 
If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had a balance transfer from Discover Credit Card to XXXX  XXXX XXXX credit card, the balance transfer was sent to the wrong account, I called Discover to cancel the balance transfer which they did, but unfortunately they decided to send the balance transfer of {$9600.00} to the correct credit card without my permission, which I already paid it with a different credit card. Now discover doesnt want to bring the money back, and forcing me to resolve the problem with XXXX  XXXX XXXX XXXX I submitted a fraud dispute with discover since they sent the money without my consent and permission, that been said, my credit score got affected badly because it shows balance on XXXX different cards now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An application appears in the credit bureau on XX/XX/year> to the company JPMCB CARD ( bank ) That application wasn't thrown by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MA Zip XXXX Dear [ Debt Collectors ], I am writing to you in response to a [ XXXX ] I received on [ date ], regarding an alleged debt you claim I owe. 

Please be advised that I am requesting validation of the debt as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation validating the following : I need this debt removed immediately from my credit reports and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to place you on official legal notice regarding the continued and unlawful reporting and/or collection of fraudulent data on my consumer credit file. I am the verified victim of identity theft, as documented by Federal Trade Commission Identity Theft Report # XXXX. 

Your failure to correct, block, and permanently delete these accounts and inquiries is a gross violation of multiple federal laws, including but not limited to : - 15 U.S.C. 1681c-2 Obligation to block information resulting from identity theft - 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate data - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d & 1692e Prohibition of collection of invalid debt- Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Fair and Accurate Credit Transactions Act ( FACTA ), Pub.L. 108159

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to place you on official legal notice regarding the continued and unlawful reporting and/or collection of fraudulent data on my consumer credit file. I am the verified victim of identity theft, as documented by Federal Trade Commission Identity Theft Report # XXXX. 

Your failure to correct, block, and permanently delete these accounts and inquiries is a gross violation of multiple federal laws, including but not limited to : - 15 U.S.C. 1681c-2 Obligation to block information resulting from identity theft - 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate data - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d & 1692e Prohibition of collection of invalid debt- Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Fair and Accurate Credit Transactions Act ( FACTA ), Pub.L. 108159

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and may also been affected by the data breach. Therefore, I filed an identity theft compliant. I request the follow accounts and inquiries be removed immediately. 

XXXX Account XXXX Inquiry XXXX Inquiry XXXX XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry Correct my employer to 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 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Account # XXXX Debt Validation Request To Whom It May Concern, I am writing to formally dispute an alleged debt associated with account number XXXX, which was reported by XXXXXXXX and subsequently sold to Credence Resource Management. I do not recognize this account and request full validation and verification of this debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), I request the following information : 1. Creditor Information : The name and address of both the original creditor ( T-Mobile ) and the current creditor ( Credence Resource Management ).

2. Debt Verification : Documentation verifying the amount claimed and proof of a valid contract establishing my obligation to pay.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as required under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers.

Until the requested validation is provided, I request that you : Cease all collection activities related to this account.

Refrain from reporting this debt to any credit bureaus. If it has already been reported, I request that my dispute be clearly noted in my credit file.

Clarify the permissible purpose under which my credit information was accessed, as required by the FCRA ( 15 U.S.C. 1681b ).

If this debt can not be verified, remove it from my credit reports and confirm this removal in writing.

Additionally, the sale of my credit information without my consent may violate the Gramm- Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), which restricts the sharing of consumer financial data. If my credit information was sold or transferred without proper authorization, this could constitute a violation of my privacy rights under federal law.

If this account is transferred or sold to another agency, you are required to notify them of this dispute per the FDCPA ( 15 U.S.C. 1692e ( 8 ) ).

Failure to comply with these requests may result in legal action for violations of the FDCPA, FCRA, TILA, and GLBA. I expect a written response within 30 days, as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
1. Double-Pledged Assets PennyMac also XXXX XXXX ( the original company on the note ) are not the Holder in Due Course and does not have the legal standing to enforce claims against me or my property, as evidenced by the double-pledged assets. Documents related to these pledges are attached, showing that the assets were improperly used for multiple notes, making XXXX liens on my property invalid. Given this PROOF XXXX must produce the WET ink signature documents that I signed and that would prove they hold a legitimate NOTE and enforceable lien. Until they can provide such documentation, they can not assert ownership or enforce any claims. Violating : UCC 9-203 UCC 9-312 2. TILA Violations Under the Truth in Lending Act ( TILA ) PennyMac and Valley View failed to properly disclose critical terms of the loan, including an overstated APR and miscalculated finance charges. The disclosed APR of 4.3 % was found to be incorrect based on the loan terms and should have been 2.28 %, constituting a significant violation of TILA regulations. The finance charge was also understated, violating TILA 's requirement to disclose the true cost of the credit. Violating : Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. 12 C.F.R. 226.17 12 C.F.R. 226.22 3. Failure to Honor Consumer Protection Laws PennyMac and XXXXXXXX XXXX actions are in clear violation of multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair and deceptive practices. XXXX has repeatedly ignored requests for documents PROOVING there are the holder in due course causing undue harm and financial loss to me. XXXX is also failing to comply with the Uniform Commercial Code ( UCC ) and other regulations meant to protect consumers in situations like this. Violating : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. Uniform Commercial Code ( UCC ) 9-609 4. Identity Theft PennyMac sharing of private consumer information with a third-party company without consent is a violation of privacy laws and constitutes identity theft. This has led to further damages that have not been addressed by XXXX. Violating : XXXX XXXX XXXX XXXX. XXXX et seq Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX THEY NEED TO ANSWER THE VIOLATIONS. I HAVE A LOT MORE PROOF OF THE FRAUD BEING COMMITTED INCLUDING THE CUSIP NUMBER ASSOCIATED WITH THIS NOTE. THIS IS MORE THE REASON I'M DEMANDING PENNYMAC OR VALLEY VIEW TO PRODUCE THE WET INK SIGNED NOTE.

Company response to consumer: Closed with explanation