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

Complaint narrative:
Upon reviewing my credit report with the goal of addressing any outstanding accounts that may have entered collections due to past financial hardships, I was shocked to find numerous accounts, collections, and inquiries that I neither authorized nor recognized. This alarming discovery strongly suggests that my identity has been stolen and fraudulently used without my consent. 

In response, I immediately filed a complaint online at XXXX and submitted disputes with all major credit bureaus, attaching my identity theft report. Additionally, I will be sending certified letters to each credit bureau to further document my claims. I have attached all relevant information below for your review, which include names and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Portfolio Recovery, who is attempting to collect on an alleged debt that I believe to be inaccurate and/or invalid. I am requesting an investigation into this matter and the resolution of the wrongful collections practices that are occurring. The specific details of the alleged debt are as follows : Creditor Name : Portfolio Recovery Amount Alleged Owed : {$660.00} Date of Alleged Debt : XX/XX/year> Dispute of Debt : I dispute the validity of the debt in question and assert that I am not responsible for this obligation. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that Portfolio Recovery provide me with proper verification of this debt. Specifically, I am requesting : 1. A copy of the original signed agreement or contract that establishes the debt ; 2. A complete payment history for the alleged debt, showing all charges, payments, and credits ; 3. Proof that Portfolio Recovery has the legal right to collect this debt on behalf of the original creditor ; 4. Any judgment or legal proceedings related to this debt.

Furthermore, under 15 U.S.C. 1692c, I request that all future communications regarding this alleged debt be in writing, and I instruct Portfolio Recovery to cease any direct phone contact with me.

Violation of the Fair Credit Reporting Act : In addition to the dispute of the debt itself, I am invoking my rights under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate. If this alleged debt is not properly verified, I request that it be removed from my credit reports and that no further inaccurate information be reported regarding this account. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in resolving this dispute. I ask that Portfolio Recovery cease all collection efforts until this matter has been thoroughly reviewed, and that they provide the requested documentation to verify the debt as required by law. If Portfolio Recovery fails to provide such verification within 30 days, I expect this debt to be removed from my credit records and for further collection actions to cease. 
Please investigate this matter thoroughly and provide me with any updates regarding the resolution of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Block, Inc.
State: FL

Complaint narrative:
Stole money from my cash app and told me that it was poor decision on my part.

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

Complaint narrative:
When reviewing my credit report I realized that I have 2 hars inquiries that I do not recognize ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> ), I have made the corresponding reports for identity theft and I want it to be remove this information from my 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In XXXX, I experienced financial hardship that forced me to go through debt settlement. 

With the debt settlement, I enrolled my credit accounts, one of which was through TD Bank Within 120 days of entering the debt management program with XXXX XXXX, the company threatened legal action. XXXX XXXX was able to negotiate terms on my behalf. total balance when the settlement was negotiated was {$13000.00}. The payment amount that was due back in XX/XX/XXXX was $ XXXX and the final payment was due on XX/XX/XXXX, all of which was paid and I can provide proof of that as well. Terms of which were agreed to, that there was a settlement that was reached for a payoff amount on my behalf that was less than the full balance. The final payment was made in XX/XX/XXXX. ( I have documents that show the terms of the settlement as well as the proof of payments from Beyond Finance ) To date XX/XX/XXXX, settlement amounts have been paid and all credit reports, XXXX, XXXX, and XXXX all state TD bank are still reporting an unpaid balance of {$4100.00}. Based on the payments that were made and the amount of balance, the creditor is still reporting the entire balance owed even though the account was paid and settled less than the full balance. Have filed disputes with all three credit bureaus but they are claiming the information is all accurate. If any assistance is needed deciphering the documents please let me know the debt management agency was not able to isolate one specific account for payments. But you'll notice most of the payments from XXXX are the payments to TD bank. I attached the results from XXXX dispute for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
SOMEONE STOLE MY IDENTITY & MY SOCIAL THEN OPENED UP A MOBILE ACCOUNT. PLEASE DELETE THIS COLLECTION FROM MY CREDIT REPORT IMMEDIATELTY, I DID NOT AUTHORIZE THIS. 

PURSUANT TO 15 U.S.C. 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Paid every minimum payment on time and in full most of the times over. XXXX XXXX payments on time Had a balance of {$1400.00} I use {$1200.00} of that balance and my account shows Im in the negative. ( Screenshots Taken ) I cant make any more payments with the card. I get a little frustrated but dont think much of it at the time. This goes on for months I finally call the customer support. They have a quick solution of raising my balance to fix the issue. Issue still somehow happens even with the raised balance even up to now. Fast forward I make a payment using the wrong card go to call the number the SAME day and get stuck in a loop on the customer service line where the only thing the bot would read off was the balance and multiple payments and wouldnt connect to customer service agent after multiple minutes and calls. ( Multiple screenshots taken ) A few days later my account is closed. Flat out closed. I call customer service again they say I cant even re open my account due to the payment I tried to cancel. Again I have not missed a single payment EVER and have had this account for YEARS now. Why isnt there a button to cancel a payment? How am I punished for still trying the right thing and on top of it I get charged for it anyway? Even though the minimum was already met? What is going on here? I feel like I have just been scammed. If anyone knows a lawyer I feel I have a solid case to be looked at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
Subject : Formal Complaint Unfair Debt Collection Practices by XXXX XXXX & Professional Account Management Dear FTC XXXX XXXX XXXX / CFPB, I am filing a complaint against Professional Account Management , LLC and XXXX XXXX XXXX for unfair and deceptive debt collection practices related to an unjust parking citation issued in XXXX, Georgia. Despite paying for parking, I was wrongfully cited, denied the right to appeal, and now face debt collection efforts for a fine I do not owe. 

This situation constitutes a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrants investigation into XXXX XXXX and Professional Account Managements unlawful practices. 

I request the FTC/CFPB to investigate and take enforcement action against these entities for their unfair treatment of consumers. 

Sincerely, 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Reliant Financial Corporation
State: NV

Complaint narrative:
This account Had been reported on to my credit report since XXXX with XXXX bal owed finance company refuse to remove off my credit report under the law 15 U.S. Code 1601 is a section of the U.S. Code that outlines the purpose of the subchapter on consumer credit cost disclosure. It is part of Title 15, which covers commerce and trade. This should not be reported my my credit report under status of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In the year XXXX using wells fargo bank, I sent several wire transfers to an apparent fraudulent investment platform that wells fargo assured me that were legitimate, stating there software had built in security features that would detect fraud should it be needed, but in the end had zero security features and was scammed out of every cent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I could not contact Cash App after sending cash and needing help. There was no phone number and it was very difficult and honestly, Im not sure if I ever talk to anyone about my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Tried to obtain a credit report from this company but the charged twice for service. First for XXXX XXXX second time XXXX. Within minutes of each other. XXXX XXXX report dot com XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Is the company. 
The scam started as a cottage for rent. Talked me into a credit check that went crazy. Said I had poor credit and charged me extra for it. Please help. I hate scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I worked hard to increase my credit score so that I could open up XXXX loan and credit card account that I needed for XXXX XXXX. Credit Karma sent me several emails stating that I could increase my credit score even more by opening up credit cards that they deemed were in the category of outstanding. However, when I applied for XXXX XXXX, I was immediately denied due to too many credit lines being opened. I see that Credit Karma has been sued for this in a class action lawsuit not so long ago and here they are still doing it and they continue to send me offers almost daily stating that I have outstanding Chance of opening up these credit cards

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

Complaint narrative:
I never requested any of these accounts to be furnished to any companies or bureaus, fcra ( 15 code 1681 b ) these accounts and inquiries are in violation of my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 never requested any of these accounts to be furnished to any companies or bureaus, fcra ( 15 code 1681 b ) these accounts and inquiries are in violation of my consumer rights

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

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
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 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. {$11000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX balXXXX {$930.00}, XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXXXXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened bal. {$170.00}, XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX datre opened XX/XX/XXXX bal. {$140.00} XXXX comenitybank/hottopic Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, syncb/oldnavy Account XXXX XXXX date opened XX/XX/XXXX bal. $ XXXXThese 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 non-monetary relief
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for Arbitration, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option 1 : remove the following items reporting inaccurately below : XXXX. XXXX ACCOUNT # XXXX 2. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation 3. Option 2 : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
5. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
Some got access to my cash app account and has been using it I was previously using it to deposit my checks from my previous employer and I have had no way of contacting cashapp so nobody has helped me

Company response to consumer: Closed with explanation