vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: RI

Complaint narrative:
MUST BE REVIEWED BY A HUMAN HUMAN XXXX XXXX CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT FRAUD CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214 ,18 USC 1348, [ GAAP ] VIOLATION, 18 USC 1028 USC1681G USC 1681s2, 18 USC 1961-1968 RICO, 1681AB2, HJR 192 1933 GAAP DELETE 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have called this company XXXX times. Every time I call them, I get a different response. As of XX/XX/year>, I applied for a reward of {$100.00}, which should have been a check to me per XXXX but was never received. In addition to this, I had several credits from merchants, and I was told those were mailed as checks because I had a XXXX balance. I ran up charges of {$1300.00}. I should not have a balance based on my reward and merchant credits. I stopped using my line of credit and advised XXXX that I would not use the card until my account was reconciled. Now XXXX is telling me that they applied all the credits to my account. However, my balance is the same, {$1300.00}. I have no way to know what is a credit or a debt because they show almost all debts and credits as a debt. I feel they are doing something very shady and I can not figuer out how or why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX BANK Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/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 2025-01-30 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:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX have been violated, My account is not in concordance with the XXXX regulation, with TransUnion and XXXX, XXXX have disputed this matter about my XXXX card, XXXX XXXX and XXXX card with Transunion and XXXX, XXXX my XXXX account, recording, about XXXX  times. The last time I put in a dispute was on XXXX XX/XX/2024, Today is XX/XX/XXXX and I still have not received a response over 30 days with my dispute, now I am locked out of my dispute account section, it is saying on the page something is not right, I should visit dispute center, I can not visit the dispute center because am locked out, can you please look into this matter with 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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
Good afternoon. I used XXXX XXXX XXXX and had ezpass. XXXX greenway toll applied penalty and late fee around XXXX $ then paid by collection XXXX company. i sent them evidenceses that i have enough money in my ezpass and asked why they could not charge from my account. they did not properly answer. it should be XXXX XXXX after evidence reduced toll fee to XXXX $ and XXXX $ convinience fee. so total XXXX XXXX need your help thanks they don't respond on phone calls and takes forever when you call XXXX collection company.

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 2025-01-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> Creditor creating negative remarks of ( XXXX ) late payments on my credit report and not properly following Credit consumer laws 15 USC 1666 ( b ) and 15 USC 1637 they are not following proper practices of consumer laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2025-01-30 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have closed my XXXX XXXX Checking account because of fraudulent activity that was not authorized by myself, XXXX XXXX, and I am wanting to move any hard inquiries from my credit history report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I reviewed my report and there is an account that I have never authorized, I do not recognize it, nor the charges. In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX Account Number : XXXX - Equifax XXXX Opened : XX/XX/year> Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Help me create a dispute letter using XXXX or XXXX XXXX civil liability compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX {$75.00} was sent to XXXX XXXX from my account I dont know this person has no business with this person when I contacted Cashapp to address this and ask for a refund they quickly denied my request for Refund stating that I sent this same Person XXXX XXXX {$15.00} XX/XX/XXXXXXXX XXXX XXXX again this is some kind of scam that im a victim of because I don't know anyone NAME XXXX XXXX never had any business with this person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX with an account number of XXXX opened XX/XX/year>, which does not belong to me and was opened fraudulently. 

TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported. 
I have provided all necessary supporting documentation to TransUnion, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress. 

I request that the CFPB take immediate action to ensure TransUnion complies with federal law by permanently removing this fraudulent account from my credit report. I also request that TransUnion provide a written confirmation of the deletion. 

Please let me know if additional information is needed to process this complaint.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX with an account number of XXXX opened XX/XX/year>, which does not belong to me and was opened fraudulently. 

TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported.

I have provided all necessary supporting documentation to TransUnion, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress.

I request that the CFPB take immediate action to ensure TransUnion complies with federal law by permanently removing this fraudulent account from my credit report. I also request that TransUnion provide a written confirmation of the deletion.

Please let me know if additional information is needed to process this complaint.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I started months ago to have XXXX remove XXXX credit cards ( American Express and XXXX ) from my credit report, that doesn't belong to me. I have advised them that this debt belongs to someone else and for some reason they are insisting that it mine. I ask them to provide the orginial contract the I signed with these companies and they have fail to product the contracts. I need this debt to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Received call from " CFPB '' about my Chase Card experiencing a credit level increase to {$10000.00} and issuance of another card. The alleged activity was stated to be in XXXX NC. Called identified himself as XXXX XXXX XXXX. These two male sounding persons had a unique accent : sounded like XXXX from the XXXX. My telephone indicated the calling number was from XXXX SC with the number XXXX. XXXX asked if I was associated with the company " XXXX XXXX ''. I am not. Following XXXX 's assignment of case number XXXX I was transferred to CFPB staff member " XXXX XXXX ''. No change in indicated number of entity name. " XXXX XXXX asked if I was aware my Chase, XXXX XXXX XXXXXXXX, XXXX  XXXX and XXXX XXXX credit cards had been exposed to " public ''. Of these banks, I only hold a Chase card. " XXXX '' also asked about my knowledge of a 7 % interest rate statutory limit for XXXX  and a balance limit not exceeding {$20000.00}. I asked him if this was associated with a recent government program. No follow on conversation for these subjects. XXXX conducted a verification of personal data my birth date and first two digits of my social security number. I provided the first three digit values of " XXXX ''. " XXXX '' would not respond when I asked him to state the numbers from the information he possessed. The caller did correctly identify the last seven digits of my social security number. " XXXX '' stated multiple times the first two digits of " XXXX '' wrong not what his records contained. After my pressuring " XXXX '' with confirming my first two digits the call was disconnected. 
I researched the named company and determined that company had a website noting a physical location and telephone number matching the information on my phone instrument 's screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Code 605b Complaint : released my information unlawfully due to their negligence during data breach

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( block inc ) due to inadequate and lack of customer service unfair, practices, which violate consumer financial protection act ( cfpa ) specifically cash app failed timely, and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, there are dispute resolution was unfair deceptive, and they did not comply with errors resolution require requirements under the Electric Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and stress and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland credit management lied about serving me court papers I have never received any documents are phone calls from this debt collector I dont even know what account this belongs to. I was sued without any acknowledgment are any papers handed to me in my hand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 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: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I recently had a fraud detected on my account. I spoke with them the rep lied to me and told it would take 2-3 business days. They decided it would be best to send the new card by standard mail in 10 DAYS instead. It is still in the mail somewhere and I can not access any of my money. They refused to send me a new card overnight, and refused me any help whatsoever. I offered to pay for overnight myself and they refused that as well. Asked if I would like to leave feedback or take a survey. Unless that gets my card here tomorrow. No thanks. They assured me I'll access my money by XX/XX/year>.

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 2025-01-30 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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