vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well.I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit.Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent account are not only damaging my credit but also causing me significant stress and XXXX.I have no connection to this account and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-01-22 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the handling of my account dispute with Columbia Debt Recovery. This matter involves an alleged debt related to fraudulent activity, which I have been diligently working to resolve.

On multiple occasions, I contacted Columbia Debt Recovery to follow up on this matter. Most recently, I spoke to a representative named XXXX, who refused to provide a last name. During the call, XXXX hung up on me, citing the fact that I had already called the previous day. This behavior is unprofessional and unacceptable, especially considering the seriousness of this matter.

I have submitted the requested documentation to prove that this debt is fraudulent and unrelated to me. However, I have not received adequate updates or responses regarding the status of my dispute. This issue has significant implications for my credit and financial well-being, and I am disheartened by the lack of professionalism and transparency shown by your team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: AZ

Complaint narrative:
Called to see what this was and they said a XXXX  debt and this should have been paid by insurance and XXXX  as of XX/XX/year> is not to be reported to my credit and it was just reported today XX/XX/XXXX as a tactic to scare me to pay.

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 2025-01-22 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: IL

Complaint narrative:
All three credit bureaus have addresses that i dont or have never lived at on the reports. I also see inquiries on the repotrs im not aware of. I've been a victim of idenity theif as well. Also XXXX months ago my credit score dropped XXXX points from each bureaus and when i called to see what was going on I was told to call the companies that's on my report. when i called i was told they haven't reported anything bad towards me and that i should call the credit bureaus back. I called them back and i was told they don't have the information to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
All three credit bureaus have addresses that i dont or have never lived at on the reports. I also see inquiries on the repotrs im not aware of. I've been a victim of idenity theif as well. Also XXXX months ago my credit score dropped XXXX points from each bureaus and when i called to see what was going on I was told to call the companies that's on my report. when i called i was told they haven't reported anything bad towards me and that i should call the credit bureaus back. I called them back and i was told they don't have the information to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 Fraud 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 2025-01-22 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:
I am filing a complaint against Cash App, also known as Block Inc., for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely action to prevent and address fraud, leaving my account vulnerable. The dispute process was unfair and deceptive, and Cash App did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss, disruption, and inconvenience, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$370.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX Account # : XXXX date opened XX/XX/XXXX XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
In XX/XX/2024, I received a partial payment of my student loans via the XXXX versus XXXX ruling. I am still awaiting the remaining {$15000.00} payment to completely pay off these loans, per the attached letter. MOHELA has taken over the loan company, and is continuously sending me emails and calling me regarding non-payment and interest fees that are accruing for the remaining payment, in direct violation of this ruling. I have contacted MOHELAs customer service and advise them of this ruling and they stated they would not charge me interest rates on the remaining payment while it is waiting to be dismissed ; however, I have still received numerous communications from them regarding this matter and stating my payment is overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NY

Complaint narrative:
XX/XX/XXXX VANCE AND HUFFMAN LLC {$1500.00} I am requesting the original agreements and contract with my authorized signiture 15 u.s.c & 1692 XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance I am requesting the original agreements and contract with my authorized signiture 15 u.s.c & 1692 XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance I am requesting the original agreements and contract with my authorized signiture 15 u.s.c & 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a car I have it back made payment on it but they never owned the car. But before I found this out I had already have it back but I returned the car it was auctioned off but they still reported late payments on my credit when I didnt even have the car anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: WA

Complaint narrative:
Mohela XXXX posted a charged off account to my credit report which is inaccurate. i wrote to them on multiple occasions asking them to validate this debt which they never have. Also the charge off is inaccurate because they never provided me with a 1099c post charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have mailed payments for my car loan to Capital One Auto Finance since XX/XX/XXXX with no issues. They have timely received payments, processed payments timely, and credit for the payments appropriately reported to credit bureaus on a loan with XXXX APR. On XX/XX/XXXX, I mailed a payment to Capital One Auto Financing like I have for 9 months. They received the check on XX/XX/XXXX or XXXX and did not timely process the payment. They are holding the check # XXXX in the amount of {$500.00}, adding on late fees, and trying to report a missed or late payment to the credit bureau. I have not had any issues of my checks being mailed and processed before the due date until I reported Capital One N.A. to the FTC for securities fraud. Now I am having issues with Capital One Auto Finance, who is engaging in a deceptive business practice, retaliating, saying they have not received my payment, sending me emails adding on late fees, and they are going to report my payment being late to the credit bureaus to harass me and harm my credit score causing financial injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
i have reviewed my credit reports and notice there is inaccurate late payments reporting to each credit reporting agency. name of account XXXX XXXX XXXX XXXX late payments reporting on the same day, but different days late. I am certain that i was never late on these dates. i am XXXX XXXX XXXX an looking for help to investigate this matter Account Name XXXX XXXX XXXX Account # XXXX Dates reporting inaccurate XX/XX/year> 60 days late XXXX XX/XX/year> 30 days Late XXXX XX/XX/year> 30 days late Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
i have reviewed my credit reports and notice there is inaccurate late payments reporting to each credit reporting agency. name of account XXXX XXXX XXXX XXXX late payments reporting on the same day, but different days late. I am certain that i was never late on these dates. i am XXXX XXXX XXXX an looking for help to investigate this matter Account Name XXXX XXXX XXXX Account # XXXX Dates reporting inaccurate XX/XX/year> 60 days late equifax XX/XX/year> 30 days Late XXXX XX/XX/year> 30 days late XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not opening this loan XXXX  XXXX XXXX account number XXXX. Please remove this inaccurate and fraudulent account. These account is reporting wrong information and errors days please remove this account.

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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have requested several times for 3 years a copy of the 1099 for my tax purposes. Chase refuses to provide me with a copy. I received a statement reconfirming that my account is a charge off and I have tried to complete my IRS responsibilities. However chase informed me on my phone call request on XXXX that they will provide me with a copy when they feel like it. Chase has also created a document fraud. The account has been added additional payments I did not process or approve on XX/XX/year> and XX/XX/year>. I have repeatedly asked where theses reported payments have come from and again chase refuses to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I received a check to deposit for XXXX from my husband 's family ( XXXX XXXX ), upon deposit they froze the account and chose not to do business with me anymore. When asking how long until I can close the account they give me no information. This is a problem since I do not live in the US and wouldn't be able to recieve the check when it arrives. The initial deposit has cleared and verified by my inlaws bank, but Capital One have not given me any more information. 

The case number they provided is XXXX with Capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Debt not owed I do not have a contract with this creditor and not mine

Company response to consumer: Closed with explanation