vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

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 non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I recently revoewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this accounts from my report, they are hurting my hability to obtain credit

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XX/XX/ @ XXXXXX/XX/XXXX pacific time I received an email from a 4 other party collection agency collecting on a same debt XXXX other companies are reporting and collecting affecting my credit reporting. 

Other companies include Misleading collecting on a multi collecting debt with 1 original company and 3 collection agencies. 
XXXXXX/XX/XXXXcredit card XXXX XXXX XXXX XXXX collection agency And 4th Halsted financial collection agency All 4 companies are collecting the same debt and multi reporting on my credit report. This is in violation. 
I request these debts to be deleted from credit reporting as soon as possible. 
I am a victim of my personal information being in a data breach exposing my personal information and identity to the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CT

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/XXXX, I received an email from Citibank [ AAdvantage ] ; account ending in XXXX and to XXXX that a charge for {$130.00} was being drawn from my XXXX XXXX XXXX  checking account. When I called Citi Card, they acknowledged seeing the charge but could not explain it. They could not identify the merchant, and I would have to call back in four days. In the meantime, I called XXXX XXXX XXXX and disputed the charge on that end. 
On XX/XX/XXXX, around XXXX am, I again called Citi Card ; the Fraud Dept. The agent could not explain the charge and said it was being investigated. 

Subsequently, I received a letter from Citi Card noting the disputed undertaken by Bank of Oklahoma, and Citi Bank wanted me to go ahead and pay the {$130.00}.

It is alarming that somehow, using the Citi Card system, that someone could initiate a draw on my bank account. I have locked my Citi Card account and deleted all links to all four of my bank 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 monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Sunday XXXX XXXX XXXX time True Accord submitted email regarding a debt from original company XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

This debt has 3 other collection agencies and original company.

5 agencies are not collecting on the same debt and multi reporting in the same debt affecting my credit score further more. 

My personal information was exposed and leaked under companies Data Breach.

5 companies reporting and collecting on this debt. In Violation of FCRA. 
1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX multiple collection agencies are collecting on the same debt, it could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that prohibits debt collectors from using unfair, deceptive, or abusive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-02-04 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I got online and changed the autopay draft account to a new bank account because I am closing my old bank account. Despite changing the account prior to the draft, they still charged the old account resulting in an overdraft and an overdraft fee charged to me. I called them to resolve this but their explanation was there is nothing they can do because I did not remove the old bank account when I added the new one. There was no disclosure in the process stating I would need to remove the old bank account in order to have the new bank account to be used for the drafting. Customer service refused to help me with is the wrong course of action. I would like this complaint to be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Hello, my account balance was {$5500.00} around there when I first started this account. However, when I call the bank, they say I have a balance of {$3500.00}. I checked the online banking, and my password was changed 20 times without my knowledge. There were 3 checks written out of my account for {$2500.00}. I dont want to keep my money in this account any longer. This is a disgrace. When I call the call center, these people can not help me. Can you please take back the money that the checks written out for XXXX and issue a full check for my entire balance that was originally on my account. Those check withdrawals were not me, and they were not authorized by me, the consumer.

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 2025-02-04 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: FL

Complaint narrative:
Inaccurate information on my account never goes away after they said it would. Things that are suppose to be deleted stays on.

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 2025-02-04 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting inaccurately. i had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. this account was not been late on the months that it claims that I was late. I attached a copy of my report to this complaint on the following dates ( XXXX and XXXX ) Account number ( XXXX  ) I'm now requesting that you investigate and provide verifiable proof with records and statements showing that I was late on payments for the month of XXXX and XXXX. I ask that this information be updated immediately to paid on time while this information is being investigated and or verified. Late payments hurts your score and these payments are hurting my credit.Thank you for your understanding and prompt action.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX Bank XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one and XXXX XXXX both has interest fees and I would still pay on time and still get fees that would put me back to the original balance I was currently trying to get away from and at XXXX time I paid both cards down and it shot back up to the old balance I paid from both interest fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : CXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has charged my account numerous overdraft fees while my account was low on funds. My complaint is not for being charge but for the continuation of repeated charges after the initial charge. If the account has been over-drafted why continue to charge the consumer instead of blocking the account like other banks? I feel that it is predatory that they are allowed to continuously charge an account multiple times once it is in a negative status.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I filed a complaint here on CFPB and the company stated my account went into collections in XX/XX/XXXX due to missed payments. I have evidence from the IRS that my XXXX income tax refund was garnished by XXXX in the amount of {$XXXX} via an XXXX dated XX/XX/XXXX with a TOP trace number of XXXX, directed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has XXXX to apply these XXXX correctly to my account, which has effectively caused me to pay the same debt twice. 

XXXX XXXX, a representative for XXXX called to collect the same debt on XX/XX/XXXX ( which should be a copy of the recorded call in your files ). The total negotiated amount of {$XXXX} was said to satisfy both the XXXX XXXX and XXXX XXXX XXXX  credit cards in full. The agreement was an initial payment of {$XXXX} and subsequent payments of {$XXXX} directly debited on the last day of the month and the XXXX from my XXXX card ending in XXXX. I have proof that I made payments in the amount of {$XXXX} made to XXXX between XX/XX/XXXX and XX/XX/XXXX, which to my surprise, was to satisfy the same debt. 

Instead of properly crediting the garnished funds and my negotiated payments, interest has continued to accrue on what is clearly a fully satisfied debt. 

Additionally, XXXX response to a prior Consumer Financial Protection Bureau ( CFPB ) complaint falsely claimed that I did not uphold my arrangements therefore my account was in collections in XX/XX/XXXX. 

Why was there a debt when they already garnished my taxes? Why am I not receiving the info i have been requesting regarding how payment was applied and proof debt was satisfied? The only documentation submitted is a screen print showing interest accruing, but does not show how payments were allocated.

Company response to consumer: Closed with explanation