vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am filing a formal complaint regarding discrepancies and errors on my credit report, which negatively affect my credit score and financial well-being. Here are the details of my complaint : The account has inconsistent reporting across XXXX, XXXX, and XXXX. XXXX and XXXX reported the " Last Reported '' dates as XX/XX/year> and XX/XX/year>, respectively. XXXX has no record of this account, despite it being reported to the other bureaus. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent information. The account is listed as " Collection/Chargeoff '' for both XXXX and XXXX. However, there is no supporting documentation or clarification for this status. I contacted the creditor directly and provided the account number, yet I was unable to obtain any information about the account. This lack of cooperation has hindered my ability to verify and address the discrepancies. I could not resolve this problem with the creditor because they refused to provide any information about the account. The discrepancies and missing data unfairly damage my credit score and ability to secure favorable financial terms. This is the list of steps I had taken before filing a complaint : I contacted the creditor directly to address these inconsistencies, but the issue remains unresolved. I have also initiated disputes with XXXX, XXXX, and XXXX, yet no corrective action has been taken. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the creditor corrects the discrepancies. The " Last Reported '' dates should be consistent across all bureaus. XXXX should report the account accurately if required. Any negative marks resulting from these inaccuracies should be removed from my credit report. The creditor should be required to provide the requested account information to ensure proper resolution. I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if further information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-06 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: AZ

Complaint narrative:
This letter is because I was just notified of accounts added to my consumer report that I did not apply for nor recognize. 
XXXX. XXXX XXXX ( {$2100.00} ) XXXX. XXXX XXXX ( {$3100.00} ) supposedly opened XX/XX/year>. My bureaus were locked and had a identity theft during this period. Furthermore, Pay tomorrow was a fraudulent account opened under my name which is why I had the identity theft for and it was previously removed. There could not have opened any accounts under my name : This accounts are fraudulent and I ask to be removed immediately.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I received a statement from XXXX XXXX around XXXX of XXXX  stating I had a bill for {$490.00}. I called into XXXX about this and they stated they caught the fraud and had already flagged and closed the account and I WOULD NOT BE CHARGED! About 2 months later I started receiving emails from them stating I owed for the {$490.00} so I reached out to them again via email and multiple phone calls to inquire about why I was receiving the emails concerning the balance on the fraudulent account they flagged! This account has since been placed on my credit as a collections account!

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 2025-02-06 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-06 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Debt Amount on Credit Report To whom it may concern, I am formally disputing the account listed under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported on my credit file with the amount of {$180.00}. Collection agency name : XXXX XXXX XXXX XXXX XXXX, the original creditor name : progressive.This is a INACCURATE debt amount listed on my credit report. Upon reviewing my report, I noticed that XXXX XXXX has reported a balance of {$180.00} which does not match the amount they are attempting to collect, which is {$180.00} According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be ACCURATE Since the amount being reported is INCONSISTENT with what the collection agency claims I owe, I am requesting that this account be DELETED IMMEDIATELY. 
The reporting of this INACCURATE account violates my rights under federal law specifically under 15 U.S. Code 1601. 

For your review, I have attached : A copy of any communication from the collection agency showing the different balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
I sent a certified letter requesting debit validation for a debit that was sent to my local courts. The certified letter was delivered on XX/XX/year> and i have yet to receive a response regarding this debit validation. I have attached a copy of the letter that was sent, the notice that it was signed for and a date of delivery. Please remove this debit from my credit and withdraw the civil case you have as I have not received any requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-06 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: NC

Complaint narrative:
This letter concerns the fraudulent account # XXXX that continues to appear on my credit report. I have already provided documentation of identity theft, including a police report, an FTC report, and a copy of my government-issued identification. I expect prompt removal of this account from my credit report as legally required. I sent in my disputes since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-02-06 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: FL

Complaint narrative:
This debt was sold to another company with my debt consent of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XX/XX/year> - Received test message stating " Thanks for giving capital one your mobile number. You may get texts with important info about your account from XXXX or XXXX. '' - I had not opened an account with capital one. I assumed this message was spam. 

XX/XX/year> - Received text message stating " Hi, your new XXXX Credit Card has shipped and should arrive by XX/XX/XXXX. Track you card 's shipment in the app. '' - This was concerning but I again thought it could still be spam. I did not want to act until a shipment arrived. 

XX/XX/year> - Received text message stating credit card had shipped. 

I never applied for this credit card. I did not have an account with capital one. I investigated if my phone number was tied to a an account and it was. I was able to note the username. I never received an email from capital one regarding this credit card application or an account opening. I have not activated my card- atleast I personally have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
identify you and your account. 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : passport ID Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXXXXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : : XXXX Routing # : XXXXXXXX XXXX XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : : XXXX Routing # : XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : : XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation