vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
I am filing a formal complaint against Zwicker & Associates, XXXX, and all active collection agencies attempting to collect on fraudulent, disputed, or unverified debts in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and other consumer protection laws. These entities have engaged in : Unlawful collection attempts on unverified debts Failure to provide proper debt validation upon request Attempting to collect on debts past the statute of limitations Harassing and misleading communication tactics Unlawful credit reporting of invalid debts These actions have caused significant financial harm, XXXX  XXXX, and damage to my creditworthiness. 

XXXX. Violation of Debt Validation Requirements ( 15 U.S.C. 1692g ) Zwicker & Associates and XXXX have continued collection attempts despite my formal dispute and requests for proper validation. 
Under 15 U.S.C. 1692g, a debt collector must provide full validation upon request, including original contracts, itemized statements, and proof of ownership of the debt. 
These agencies failed to produce this required documentation, yet continued collection efforts unlawfully. 
XXXX. Misrepresentation & False Collection Practices ( 15 U.S.C. 1692e ) These agencies have engaged in deceptive and misleading representations regarding the alleged debts. 
15 U.S.C. 1692e ( XXXX ) prohibits false representation of the legal status of a debt, including claiming a debt is owed when it is not. 
XXXX & XXXX have failed to provide legally required validation, making their collection attempts fraudulent and unlawful. 
XXXX. Unfair Collection Practices & Unlawful Credit Reporting ( 15 U.S.C. 1692f ) Under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect a debt.

These agencies have reported unverified debts to credit bureaus in direct violation of FCRA ( 15 U.S.C. 1681s-2 ).

They have also failed to properly investigate disputes, violating 15 U.S.C. 1681i ( a ).

XXXX. Collection of Time-Barred Debt ( Statute of Limitations Violation ) Some of the debts they are attempting to collect are beyond the statute of limitations for collection and legal enforcement.

Attempting to collect on time-barred debts violates FDCPA, as it misleads consumers into believing they are still legally obligated to pay. 
XXXX. Unlawful Communication Practices & Harassment ( 15 U.S.C. 1692c, 1692d ) These agencies have engaged in harassing, threatening, and excessive communication tactics, violating 15 U.S.C. 1692d.

They have continued to contact me despite my demand for all communication to be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Case ID # XXXX The week of XX/XX/year> ; I called XXXX XXXX several times to update my email address from XXXX to XXXX and the phone from XXXX to XXXX and they sent me the link to mytek to verify. The system did not work for verifying my driver 's license because there was no way to upload it. I reported these things several times and after unsuccessful resolve I requested they just close my XXXX XXXX acct both the credit reporting money and the XXXX XXXX money account. They have refused to provide me with customer support services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
The car was total out and they did not include the two years payments that I made

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: SC

Complaint narrative:
I was contacted with the following information : SST wants to assist in getting your account back on track. Your payment of {$510.00} for account number XXXX was due on XXXX. 

Setting up an automated payment is a great alternative to help ensure your payments are made timely each month. 

I had an account with XXXX. The company XXXX declared bankruptcy  and went out of business. I believe this account is associated with the previous XXXX account. XXXX offered a revolving credit line at a low interest rate. My credit cards were linked to the service. It had an algorithms to maximize payments to reduce interest on the credit card lines. I have no contract or agreement with SST, so I believe the debt and new account number is not mine. I believe that XXXX XXXX my debt and received insurance payment for their existing accounts. A review of my contract with XXXX did not include terms of account payment absent their service prior to the expiration of the payment service. SST has not provided debt validation per 15 U.S. Code 1692g, Validation of debts to me or the credit bureaus, for my complaints to XXXX and XXXX SST presented their account number and limited personal data for me to validate their claim of debt. I believe their claim is a scam to collect on my previous performing debt with XXXX, that XXXX received insurance bond funds for during the solvency. The delinquency on my credit report indicates that I have had an account with SST since XXXX, which in inaccurate. I would request that SST provide me with : 1 ) A detailed list of the history of payments by me to SST.

2 ) My signature that I put on a contract guaranteeing that I would pay SST.

3 ) Evidence that no insurance has been filed on this debt.

) A Chain of Title for SST to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I received a call this morning, XX/XX/year>, from my banks fraud department ( California bank and trust ) alerting me of fraud on my bank account. 

I logged into my account while on the phone because I wanted to see the charges they were describing ( XXXX XXXX, XXXX XXXX transactions in XXXX  ). I didnt see them so I got suspicious and I said to them I dont see these charges and they told me they were blocked and flagged as fraud, which is why they were calling me. I believed that as being possible. 

I was still feeling unsure about the call so I asked if they could hold a moment while i checked something. I googled the phone number that had called me and it is in fact my banks number. I asked my husband to check and he confirmed, the number that called me is my bank. 

Feeling more secure about the call, I was compliant in giving them my information, as a means to verify my account, so that we could protect my checking account from this attempted fraud. 

This was an extremely elaborate scam. They had my name and they knew where I have a checking account and called me using my banks phone number. I bank with California Bank & Trust, which isnt even your typical XXXX XXXX XXXX. 

Ive received calls from my bank alerting me to fraud before so this wasnt something that was completely out of the ordinary. 

They took {$XXXX} from me. Please, please help me. I thought that because the number that called me was my banks number that I was safe. I dont understand how someone can call and have a different number show. This was my rent money. Everything that I had!! I have XXXX kids and I am the only financial support. Please help 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 2025-02-23 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've been disputing this XXXX account on my credit report with the credit reporting agencies experian, transunion and equifax for the last 5 months but they have failed to conduct a proper investigation and continue to report the fraudulent account on my credit report I even filed a complaint and they did not address the fraudulent account and gave me a robotic response and extended the time on the resolution. This behavior is unacceptable AND unreasonable.

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 2025-02-23 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: CA

Complaint narrative:
I've been disputing this XXXX account on my credit report with the credit reporting agencies experian, transunion and equifax for the last 5 months but they have failed to conduct a proper investigation and continue to report the fraudulent account on my credit report I even filed a complaint and they did not address the fraudulent account and gave me a robotic response and extended the time on the resolution. This behavior is unacceptable AND unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information : 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 The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
Ive had a XXXX XXXX account for years. I have used it to PAY people but not frequently. I removed my banking information etc on there a while ago, did all the extra security measures when I noticed random people sending me requests for money at odd points in the day and night. I did all of the measures XXXX XXXX customer support told me to do. I reported every person that requested money or sent me money, including the last transaction someone sent of {$XXXX} that I have not touched in the account as its not mine. They would not do anything about that and did not close my account on my behalf until months later for what they deemed as gambling activities. So they were clearly aware something was going on. To my surprise, suddenly I receive a XXXX. I have not and never used the app to receive transactions and payments. I received a XXXX form from XXXX XXXX in the mail stating that from XXXX I made {$XXXX} in transactions and it is filed under my SSN. I contacted them and let them know someone XXXX have stolen my identity and told them it was fraud and someone committed fraud with my identity on their app, to look into it as well as correct the form so I can file my taxes because my statements on my actual XXXX  account show I DID NOT make those transactions. They have not been proactive or of any help, they have not emailed me with updates, and everytime I call they tell me they cant provide me with an update. I have proof via my account that this was not me and was done fraudulently with their app services and someone is making money off of my XXXX and XXXX the victim that has to pay taxes on them. XXXX  has been absolutely unhelpful and useless. They went as far to tell me to wait until the investigation is done before I file any sort of report to the IRS etc. They told me the only way XXXX receive updates is via email and if I do not receive an email its because theres no update. Theres no team you can call directly other than cash app support. Its frustrating and absolutely ridiculous given how time sensitive this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: LA

Complaint narrative:
I noticed on my recent credit report a collection agency has been reporting for an XXXX XXXX XXXX  account, I don't owe the collection company at all I never entered an agreement with them. I need the collection agency to show proof of my signatures stating I agreed to a debt owed with them. They are committing identity fraud by knowingly furnishing information on my credit report that they weren't privied to. I want this company to remove all information regarding this debt from the credit reporting agencies which include Experian, Equifax, and Transunion.

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 2025-02-23 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: LA

Complaint narrative:
I noticed on my recent credit report a collection agency has been reporting for an XXXX XXXX XXXX  account, I don't owe the collection company at all I never entered an agreement with them. I need the collection agency to show proof of my signatures stating I agreed to a debt owed with them. They are committing identity fraud by knowingly furnishing information on my credit report that they weren't privied to. I want this company to remove all information regarding this debt from the credit reporting agencies which include Experian, Equifax, and Transunion.

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 2025-02-23 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: CA

Complaint narrative:
The following Inquiries do not belong to me and a FTC Report was filed. The inquiries were removed from credit reports by XXXX and XXXX. However, Equifax failed to remove the inquiries, which DO NOT belong to me. I am requesting an investigation and Equifax remove the inquiries IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Account - Account Number XXXX Dear Midland Credit Management, I am writing to formally dispute the account referenced above, account number XXXX, which appears on my credit report. This account does not belong to me and was opened fraudulently through identity theft. I have never opened an account with your company, nor have I authorized anyone to do so on my behalf. I request that you investigate this matter and remove this account from my credit report immediately. 
Please find attached a copy of my identification and any relevant documentation supporting my claim. I also request written confirmation that this account has been removed from my credit report. 


Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: IA

Complaint narrative:
Since XX/XX/year> I have been trying to get Transunion, XXXX, and XXXX to correct a few problems on all three credit reports. I have sent many dispute letters up to this point and only a little has been done to correct the problems. I am tired of dealing with their XXXX and would like the help of the CFPB. The problems remaining are the following. 

1. Transunion will not correct my address information. 

2. XXXX will not correct a late payment ( that was not my fault ) back to paid on time. Transunion and XXXX did correct this. 
XXXX will also not remove my past employment information. 

3. XXXX will not correct my address information and will not remove my past employment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Since XX/XX/year> I have been trying to get Transunion, XXXX, and XXXX to correct a few problems on all three credit reports. I have sent many dispute letters up to this point and only a little has been done to correct the problems. I am tired of dealing with their XXXX and would like the help of the CFPB. The problems remaining are the following. 

1. Transunion will not correct my address information. 

2. XXXX will not correct a late payment ( that was not my fault ) back to paid on time. Transunion and XXXX did correct this. 
XXXX will also not remove my past employment information. 

3. XXXX will not correct my address information and will not remove my past employment 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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke to an agent regarding inquiries on my credit report that I did not recognize and they were not removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I a victim of identity theft and data breach and would like to have these three items removed from my Transunion report immediately

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