vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

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.

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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MA

Complaint narrative:
On XX/XX/year> I emailed to XXXX XXXX information and digital images ( and/or photographs ) to setup my local checking account as a bank to receive transfer of funds. This request was denied. During a phone conversation the following day they were unable to give me a specific reason for the denial ; however, they suggested denial might be because my bank statement did not have my full account number on it, nor the banks routing number. They suggested I get a letter from my bank with this information. 

On XX/XX/year> I sent a second email requesting ACH Transfer approval. This email included : case #, source program of my benefit, photo attachments of bank 's letterhead with aforementioned information, front and back of government ID, and photograph of postal envelope from bank. This second request was also denied. And during a phone conversation on XX/XX/year> no specific reason for declining it could be given. During this conversation with a XXXX XXXX supervisor named XXXX I was told I would not be able to use this cash transfer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand for Debt Collection Activities Dear Resurgent Receivables, I am writing to formally request that you cease and desist all collection activities related to the alleged debt associated with account number XXXX that has been reported on my XXXX credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all communication with me regarding this matter. If you believe this debt is valid, I request that you provide complete validation of the debt, including but not limited to : XXXX. A copy of the original signed agreement or contract with the original creditor XXXX. A full accounting of the alleged debt, including itemized charges and payments. XXXX. Proof that you have the legal right to collect this debt. Furthermore, I dispute the validity of this debt as indicated in my credit report. If you fail to provide the necessary documentation within 30 days, I will consider this debt to be unverified, and I will take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, any further attempts to collect this debt, including reporting inaccurate information to the credit bureaus, will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I reserve the right to take legal action against any continued harassment or misinformation. Please acknowledge this request in writing and ensure that all collection activities regarding this matter cease immediately. Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
This account was settled and paid, yet it continues to reflect negatively on my credit report. Since the balance is {$0.00}, the continued negative reporting may be unfair and in violation of the Fair Credit Reporting Act ( FCRA ) if it is not being reported accurately. 

I have already disputed this with the credit bureaus, but Acima Digital has not corrected the issue. I request the CFPB to investigate and ensure that this account is properly updated or removed if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
I was checking my Bank Account which offers credit score monitoring, I noticed my score made a big drop. There were XXXX collections for the same amount. They said it was from XXXX. I have XXXX so I went down to our local branch to see if they could shed some light on the subject. They went back though my account multiple addresses and said I didn't owe them anything. I filed a police report with the XXXX XXXX Police Department in XXXX tracking number XXXX. I have contacted XXXX and will contact XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app let 2 XXXX $ unauthorized transactions just go through. When I contacted support the only way I could at the time email. I explained my situation. XXXXXXXX XXXX Someone I do not know somehow got XXXX out of my account. The first agent said couldn't talk to me because I didn't contact the correct support. Which I didn't understand and explained everything in the reply email. A few days later a different agent contacted my email and said I needed to check with my bank I had linked to the cash app. And assumed the card was stolen. Which it wasn't I got paid the next day. I have pictures of these interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have several accounts on my report that have been on there for more than XXXX years. Which after XXXX years they are suppose to come off but instead of them coming off they keep selling them to different companies and they keep changing the dates and moving them closer to the current date so they stay on my credit report. Almost everything on my credit reports are from XXXX years ago and they just keep selling them to different companies and changing the dates to keep them on my credit report which in turn has kept me from being able to buy a home, buy a car or even rent a place or get any kind of loan at all. Everyone I have spoken to professionally about this has told me that it is illegal for these companies to keep selling my debt and information to different companies to keep it on my report and keeping my score from going up or me being able to buy anything or get any kind of credit at all. I need help to get this inaccurate stuff off my reports so I can buy a home and a new car for me and my kids. These people are doing illegal stuff to keep me in debt and I need help to fix it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: AK

Complaint narrative:
Monarch Recovery XXXX , Inc. is not licensed to collect debts in the state of Alaska. They are sending me many notices to pay them thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: 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 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I opened a dispute regarding accounts status that showing on my credit report. I submitted verification of payment to establish proof that account was paid in full to XXXX party collector.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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.

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 explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-01-31 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX charged XXXX high interest rates of XXXX  % +. Had an overall amount of {$XXXX} in interest fees for XXXX  for the XXXX credit cards I have with Barclays. These rates are SAVAGE, PREDATORY, and CRUEL and detrimental to average everyday working people.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On Sunday, my XXXX credit card number was stolen. This is normal and happens. As fraudulent charges started piling in, I received a call from " XXXX XXXX '' claiming to be in the fraud department and wanting to secure my account. It was my fault to work with them and I should have known better. In the end they took over my XXXX  Id, locked me out of my account and factory reset my phone. A very clear cut case of fraud. 

In the days since I have worked tirelessly securing bank accounts, changing passwords, enabling XXXX, etc. Every single call I have made has been a step closer to getting my life back, that is, except the calls to XXXX. Banks have changed compromised accounts, yet for some reason, XXXX refuses to help change the email on my compromised account or give that account back to me. This has made it so every change I am making with my banks is being sent to my hacker. They have full access to my disputes, accounts closing, everything since XXXX is unwilling to work with me. 

I am perplexed. I have years worth of evidence that the account is mine, yet I am refused help time and time again by XXXX. Device serial numbers, bank transactions, emails, purchases, locations, are all things that could easily identify me. I have offered to get police reports written up, yet nothing seems to change XXXX 's mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima purposed to offer me the consumer a lease to own agreement on an apple XXXX XXXX, back in XXXX of XXXX. Due to a recent lawsuit against them from the Consumer Financial Protection Bureau ( CFPB ), these alleged leases were actually credit, and Acima and XXXX has violated the Consumer Financial Protection Act 's ( CFPA ) prohibition against unfair, deceptive, and abusive acts, and practices by misleading consumers regarding the nature and terms of acids agreements, including their exorbitant cost ; materially interfering with consumers ' ability to understand the terms and conditions of those agreements, effectively locking consumers into these high cost financing arrangements by making it difficult for consumers to terminate them and creating unfair barriers to returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Was paying state back taxes. Was notified by letter, debt collector IC Systems that a balance due was transferred to them to collect. No option to dispute was on the collection letter. I believe this fraudulent because, payments made to the state always include interest. The letter from IC Systems indicated the debt collection was interest only. Debt request is {$XXXX}, again with no option on letter to dispute. Ive attached a copy of the letters received from the state that shows payments did include interest

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I receive a monthly deposit from XXXX XXXX XXXX XXXX deposited on the XXXX or by the XXXX of every month. US Bank admits to receiving my ach deposit from opm and hold the funds and deposit it on a later date after the XXXX. The bank also describes the deposit as a ( federal benefit ) not the original names and XXXX number. Altering the deposit and misrepresenting the owner of the funds they high XXXX my deposits for a period of up to 4 days and do not make it available to me BY THE FIRST of the month. I do not agree to share nor invest my money to earn interest while in their possession. Clearly they receive it 3 days in advance to make the deposit on or by the XXXX and they do not release the funds as printed on the check ach/electronic deposit.

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