vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. Im also aware that my information had been exposed in the Equifax Data Breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 
ACCOUNTS ( XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$14000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$49000.00} - XX/XX/year> ; XXXX XXXX BANK, XXXX. - XXXX - {$36000.00} - XX/XX/year> ; XXXX XXXX - XXXX - {$46000.00} - XX/XX/year> ; ) ( INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: RI

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 2025-01-08 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: RI

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. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND HAVE BEEN FOR YEARS .CHECKING MY CREDIT REPORT, I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON OR PERSONS USING MY IDENTITY, WITHOUT MY AUTHORIZATION, KNOWLEDGE OR PERMISSION. MY WALLET CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST DURING MY CELEBRATION AT MY HOME AND NEVER RECOVERED OR RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT ACHIEVE PERSONAL LOANS/ XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX / XXXX XXXX XX/XX/XXXX {$7300.00} ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the outdated and incorrect personal information listed on my credit report. The following items are no longer accurate and should be removed : Addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Upon reviewing my credit report, I noticed that the addresses mentioned above are outdated These entries are inaccurate and could lead to confusion or potential misreporting in the future. I have taken steps to update my information with all relevant creditors and financial institutions. For accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) .Pursuant to Section 605 ( 15 U.S.C. 1681c ) of the Fair Credit Reporting Act ( FCRA ), any obsolete information, including outdated addresses that are no longer relevant to my current credit report, should not be reported. The inclusion of this outdated address is in violation of this provision, as it is no longer accurate or applicable. 
Additionally, under Section 611 ( 15 U.S.C. 1681i ) of the FCRA, I am exercising my right to dispute this inaccurate 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 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
We processed XXXX ( XXXX ) credit card sales through Square , Inc., Credit Card Processing, parent company Block , Inc., totaling {$4000.00}. The XXXX credit payment was processed and approved by our customer on XX/XX/XXXX in the amount of {$150.00}. The XXXX credit payment was processed and approved by our customer on XX/XX/XXXX in the amount of {$1900.00}. The XXXX credit payment was processed and approved by our customer on XX/XX/XXXX in the amount of {$1900.00}. 

On XX/XX/XXXX, Square 's customer service emailed our company stating " Hi XXXX, After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 
We understand that it can be frustrating to have your account deactivated. 
If you dont want to wait 90 days for your funds to be deposited, you may consider refunding your transaction ( XXXX ) back to the cardholder ( XXXX ) and seeking an alternate form of payment. Keep in mind that refunds processed through Square on a mobile device must be requested and completed within XXXX days of the original transaction date. 
However, payments refunded via your online Square Dashboard can be refunded within XXXX year of the original transaction date. 
XXXX XXXX Banking. '' We have never had an issue with processing credit card payments through XXXX before. As recently as XX/XX/XXXX, a credit card payment was collected and paid to us in the amount of {$2100.00}, followed by XXXX additional payments were collected and paid as normal. 

However, as of XX/XX/XXXX the credit card company has held the aforementioned funds totaling {$4000.00} in their bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received in the mail a letter with a threat of possible legal action if I did not pay immediately. I sent a letter requesting a validation of such alleged debt and for them to support with appropriate documentation. Requested all statements, contract agreement with signatures, purchase agreement. MCM was not able to provide the requested documentation. Requested them not to call and they are still calling me everyday XXXX times. Also, there is another prelegal letter coming my way for the same account threatening me to proceed with legal action if I do not pay the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
Experian has allowed creditors to take advantage of their lack of investigation of accuracy, it has left me homeless and financially drained. They same creditors were able to add the same account on my credit report for many years, ignoring the documents I supplied. I have numerous disputes with them that left me questioning their " investigation '' tactics. How can you investigate in XXXX day. I always ask them what type of investigation are they doing to keep denying me relief from these predatory companies. They told me they send them documents and ask them to look at them and tell them if it's accurate. I knew something wasn't right because I could never get ahead. And asking them to delete obvious collections that shouldn't be there, they said they couldn't and only the creditors could remove it

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 2025-01-08 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: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I had several charges which I did not authorize so I contacted the credit card company for help. They disputed the charges and issued a new card and a provisional credit was issued for the fraudulent charges. Some time goes by and I receive a letter that the investigation had been completed and they were going to charge by account for all of the provisional credit that had been issued. I called the card company to find out why, they stated they had completed the investigation and they " knew '' the charges belonged to me. I asked for them to provide the proof they could without any doubt confirm they were my charges. I was told they would go back to that department and ask for this. It was never received. I phoned back and was told they would reopen the investigation and to allow XXXX days for the outcome. XX/XX/XXXX I called as the 30 days were up and I was advised still no outcome. This has gone on weekly since then. So not not only am I paying fraudulent charges I am paying the credit card company a fee for being over my limit. Here are the charges : XX/XX/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 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 XXXXXXXX Grand total XXXX plus whatever interest I charged is what I am paying for having the misfortune of someone stealing my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I opened XXXX XXXXXXXX XXXX saving account I have been making deposits in this account for 4 months they closed my account because I was making deposits in my account once customer would pay me for rent they told me they was investigate my account they have been doing that for XXXX months.i can't never speak to that department I call on XX/XX/year> I was told they will not give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX letter to resolve an make this a fair consumer credit transaction 15 USC 1681e The Truth in Lending Act ( XXXX ) is a federal law that aims to promote the informed use of consumer credit by requiring disclosures about its terms and costs. If you believe that a creditor has violated XXXX in a consumer credit transaction, you can reference specific sections of the law to support your claim. Here are some key provisions of XXXX that may back up a violation in a consumer credit transaction : XXXX. Section 102. Basic Requirements : This section outlines the general purpose of XXXX, which is to ensure that consumers are provided with meaningful information about the cost of credit. 

XXXX. Section 103. Definitions and Rules of Construction : This section defines key terms used in XXXX and provides rules for interpreting the law. 

XXXX. Section 104. Disclosures : This section requires creditors to provide consumers with clear and accurate disclosures about the terms and costs of credit, including the Annual Percentage Rate ( APR ) and finance charges. 

XXXX. Section 105. Administrative Enforcement : This section authorizes regulatory agencies to enforce XXXX and take action against creditors who violate the law. 

XXXX. Section 106. Civil Liability : This section allows consumers to pursue legal action against creditors who violate XXXX, including the right to recover damages and attorney 's fees. 

By referencing these specific sections of XXXX in your complaint or dispute with a creditor, you can demonstrate that they have violated the law and support your case for seeking remedies or compensation for the violation. It is advisable to consult with a legal professional or consumer protection agency for assistance in addressing XXXX violations in consumer credit transactions. 

You received my securities I received nothing in return you can not deny a consumer credit resolve this matter your in violation

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 2025-01-08 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I C System Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation Dear I C System Inc, I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within XXXX days, as stipulated by the FDCPA. 

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 non-monetary relief
Consumer complaint received 2025-01-08 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 reached out to Experian regarding inaccuracies on my credit report. I informed them that the information they had listed was incorrect and that the entity providing this information had been supplying inaccurate data. Despite my efforts to resolve the matter, the errors persist, and Experian has continued to rely on incorrect data to influence my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verified information being reported on my credit report. According to this law, Experian is required to investigate any disputes and correct inaccuracies within 30 days. However, Experian has failed to resolve the discrepancies within the required time frame, and the inaccurate information remains on my credit report. 

As a result of this continued failure to comply with the law, I am now considering legal action to ensure my rights under the FCRA are enforced. I am seeking a prompt and thorough investigation into the matter and correction of all inaccuracies. I am also requesting that Experian take appropriate action against the entity providing the false information, as required by law, to prevent further damage to 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 explanation
Consumer complaint received 2025-01-08 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: MI

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 : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : 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 seven 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 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