vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: ProCollect, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Procollect ( Account # XXXX ) and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing an alleged debt of {$6200.00}, which Procollect is attempting to collect. The name on the account is XXXX XXXX, while my name is XXXX XXXX. My date of birth is XX/XX/year>, and my cell phone number is XXXX. 

I have requested debt validation from Procollect, but have not received it. I have also contacted XXXX XXXX XXXX  and provided my identification via email, but they have refused to provide me with any documentation related to this debt, including the original lease agreement and an itemized breakdown of the charges. 

I believe this debt is inaccurate and potentially fraudulent. Both Procollect and XXXX XXXX XXXX  are refusing to provide me with the information necessary to verify this debt, despite my legal right to this information. 

I request that you investigate this matter and take appropriate action. 

Sincerely, 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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On today I received a disturbing call from Wells Fargo with them once again trying to convince me to discontinue the current Mortgage Assistance with the State of Pennsylvania. And involve myself in their price gouging Mortgage Assistance without any Pa State Assistance. The agreement is once the {$50000.00} is applied then a loan modification will be worked out only concerning the rear balance. Then on today I gets an email stating that I has 3 days to respond in sending more documents however this wasnt stated to me over the phone and they has refused to send me document proof. Well as get back in touch with XXXX XXXX from the Pa. State Mortgage Assistance Program . Please take the time out and review the documents. And since Im out of Foreclosure. Why is my residence still on the Sheriffs Sale Listing for XX/XX/year>? These are nothing but scam and fraudulent activities coming from Wells Fargo

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 2025-03-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXXXXXX 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

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 2025-03-19 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cashapp Block Inc due to inadequate customer service and unfair practices which violates Consumer financial protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent 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 have caused significant inconvenience and financial loss and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 8 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is 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 explanation
Consumer complaint received 2025-03-19 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: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity. 
I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts. 

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the next appropriate authority or pursue legal action if necessary. 

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX or XXXX if you require any further information. 

Sincerely, 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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized charges that were recently withdrawn from my account without my consent. These funds were deposited with the sole purpose of paying my bills, and this situation has caused significant financial and personal hardship. 

This bank already took back their reversal charge money back in XXXX and now they are charging double transaction fees and moving money from one account to the other without my authorization. Of {$580.00}, {$82.00} and {$49.00} dollars. 






Additionally, I was assessed overdraft fees for three transactions, despite the fact that I had already made prior payments, meaning I did not owe that amount. I have made several attempts to resolve this matter through your channels, but no resolution has been provided. 

To make matters worse, after I was the victim of a burglary in XXXX, I promptly provided all necessary documentation, including police reports and identity theft reports. Despite submitting all evidence, TD Bank has failed to refund the stolen funds and, instead, has withdrawn money from my account on two separate occasions related to this issue. 

I am beyond frustrated with the repeated mishandling of my account and the lack of support I have received. Due to the severity of this situation, and after exhausting all efforts to address this amicably, I am preparing to take legal action against TD Bank. 

Please consider this my final attempt to settle this issue directly before proceeding to file a lawsuit. I expect an immediate investigation and a full resolution. 

Return my money immediately. I am beyond disgusted with TD Banks complete negligence and mishandling of my account. I was the victim of a burglary after leaving your bank, where my entire TD envelopecontaining my debit card, ID, cash, and a receipt with my PINwas stolen. I have explained this situation thoroughly, provided police reports, and detailed the fraud, yet your institution continues to insult my intelligence with excuses.

This feels discriminatory and entirely unacceptable. I work hard for my money, and I will not tolerate this theft. I am fully prepared to pursue legal action and will recover every centplus more. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
these accounts I never opened they are fraudulent accounts

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 2025-03-19 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:
these accounts I never opened they are fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX with Capitol One does not allow consumers to allocate payments that are sent in over the minimum due to prevent a rotating non promotional balance and interest fees. If the 6 month promotion is within 2 months of expiring, ALL of the payment is applied to that promotion despite having 2 months yet to pay it off. This results in the non-promotional purchases made for everyday things to be charged interest. The company encourages consumers to use their XXXX XXXX for all purchases and rewards 2 % on all purchases but be cautious in doing so if you have a promotion running and are within the last 2 months, you will be charged interest. 

Simply put : you actually only have 4 months to pay off your promotion not 6 months OR you choose not to use your card for the last 2 months of the promotion to avoid interest. No option to allocate how your overpayment is dispersed to avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Rent Bureau, Transunion Rental Screening Solutions, Equifax I am writing to request a copy of my rental screening report as permitted under the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of any tenant screening report or rental history information you have on file under my name.

Below is my identifying information to assist in locating my records : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : Attached Social Security Number : Attached Please send my report via email or provide instructions on how I can access it online. If you require additional information to process this request, please contact me at XXXX Thank you for your time and assistance. I appreciate your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Rent Bureau, Transunion Rental Screening Solutions, Equifax I am writing to request a copy of my rental screening report as permitted under the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of any tenant screening report or rental history information you have on file under my name.

Below is my identifying information to assist in locating my records : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : Attached Social Security Number : Attached Please send my report via email or provide instructions on how I can access it online. If you require additional information to process this request, please contact me at XXXX Thank you for your time and assistance. I appreciate your prompt response. 

Sincerely, 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 2025-03-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize these credit inquiries and the credit bureaus did not remove them. They did not provide me with any information. I am providing an identity theft report so they can be removed because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I do not recognize these credit inquiries and the credit bureaus did not remove them. They did not provide me with any information. I am providing an identity theft report so they can be removed because they are inaccurate and not mine.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
On XX/XX/XXXX  XXXX XXXX connected me to verify a bank account that was being used to pay on my credit card. It was not my bank and I have previously contacted XXXX XXXX about two credit cards that were missing and to send out new ones. I never received new cards, instead XXXX XXXX did not close down my two cards and someone got ahold of them and was using my credit and paying payments with their bank account. 
I opened up a fraud case on that same day. 
On top of my two credit cards someone had opened a XXXX credit card in my name. After the investigation, XXXX XXXX said they were sending me credit checks for the balance but would not reissue me my original credit cards. They said I didn't qualify due to my credit. Which they reported to the credit bureau that I had closed my accounts which I did not. So, because I had identity theft going on, I was the one how lost my good credit and XXXX  XXXX wont ' even grant me my two credit cards back and to correct the credit report issue. 
I have called XXXX XXXX so many times without ever getting anywhere with them. I talked to a XXXX at XXXX on XX/XX/XXXX  which she said they were mailing me out a check, and to correct my credit report. 
On XX/XX/XXXX  I mailed a certified letter to the XXXX XXXX Investigation team with no conclusion to this problem. 
I can't even get a credit card now since this and I had been working hard getting my credit cleaned up because I was working towards buying a home which I can no longer do at this point in time. 
As of now, I have contacted XXXX XXXX over a dozen times with anything being resolved. they would just say the same lines every time I called.

Company response to consumer: Closed with explanation