vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
On or around XX/XX/XXXX, LVNV Funding LLC obtained a default judgment against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) for {$1300.00}. They allegedly served the summons by posting it at an address I haven't lived at in 10 years. I was never properly notified of this lawsuit and had no opportunity to respond or defend myself. 

I only discovered this judgment when my wages were garnished in XX/XX/XXXX. They've already taken {$220.00} from my paycheck. When I visited the courthouse on XX/XX/XXXX, I learned about the improper service at my old address. I immediately called the collection law firm XXXX XXXX XXXX XXXX XXXX XXXX ) to explain I was never properly served. They dismissed my concerns and stated my only option was to pay the balance in full or the garnishment would continue. 

I believe XXXX XXXX violated my due process rights by serving papers at an address where they should have known I no longer resided. This appears to be an intentional tactic to obtain a default judgment without giving me proper notice or opportunity to respond. Their actions have resulted in wage garnishment and damage to my credit without due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I used my cash app card to XXXX XXXX XXXX XXXX back in XX/XX/XXXX. There transaction included XXXX and deposit. XXXX XXXX settled the transaction on XX/XX/XXXX and cash app refuses to return the residual to my account. I have contacted them several times to be told it's XXXX XXXX but in conversations with cash app they admitted XXXX XXXX collected their portion. It is now been over XXXX XXXX and cash app still refuses to return my money. 

In addition, their reporting is also being falsified. It shows the total transaction amount when in fact it should be minus the XXXX XXXX XXXX  has already collected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted 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 non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
my XXXX  card was issued by synchrony bank about a year ago they said they were going to charge a paper statement fee. i responded to them ithat in my opinion a statement was part of their obligation if they wanted to issue a card and if there was going to be a fee for statements then close my account. i never heard back. several months later i was buying merchandise at XXXX  and was short on cash so i said let me see if the card is still good because lowes gives XXXX XXXX off if you use thier card.. i received my bill and there was a statement fee. i paid the entire amount minus the fee and contacted the bank saying i had informed them of my intent. i was told basicly too bad you used the card you have to pay. after a month or so of talking to them they admitted that i paid the balance the account should have been closed and removed the fee but refused to remove the interest on the fee which was {$2.00}. the balance on the card is only bank imposed fees and interest. the last purchas almost a year ago was paid in full in a timely manner and there have been no carried balance in XXXX years.

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 monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo did not provide me with earned rewards for my business credit card. The monthly statements show that the {$500.00} cash back for the XXXX XXXX XXXX was never in my account nor used. Further, Wells Fargo dismissed my complaint without providing evidence.

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 2025-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The other day, I learned an aggressive person representing XXXX XXXX XXXX and the NY XXXX showed up to an address we havent lived at for over 7 years. 

They left an envelope with a letter with these people that we do not know. We learned from a XXXX party that they received this letter. 

It has a notice of garnishment. Threatening to garnish my paycheck at a job I finally got after searching for XXXX years. Were barely making ends meet. 

I want to also mention that back in 2016 I asked for proof of the amount that theyre saying I owe, because the principal was significantly higher than what the tuition was at the time I was enrolled in school. They never sent me anything. 

They called even my GRANDMOTHER and threatened to freeze her bank account if we didnt pay. They called friends and family that we hadnt spoken to for years and which we were distant from requesting payment with threats. 

XXXX very worried about this because not only is it humiliating to go through this after JUST being hired, but my check barely covers our basic needs. 

My loan is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never recieved a judgement and I search the NY database for my docket number listed on this income execution I received a few days ago and the status says deposed. I'm not sure what that means. But I have never heard from them in years and I happened to bump into this person to learn of this letter. My docket number on the letter is : XXXX What is your suggestion? XXXX at a loss with as to what to do. 

Thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

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 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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
Byrider in XXXX Indiana  sold me a car with four open recalls and an epoxy patch on the oil pan. I have paid XXXX  in repairs not to mention the payments every two weeks. I am now forced into XXXX  XXXX bankruptcy to get out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I log into Equifax to retrieve my credit score I am unable to see my credit accounts. Initially I spoke with a representative about my credit score being blank and they fixed it within an hour but my accounts never appeared. I contacted them in regards to the accounts not showing up. They said something is weird and it would need to be escalated to technical support. Its been XXXX weeks, technical support has yet to contact me or fix the issue. My score was fixed in XXXX hours but my accounts are not fixed and I want to know why has anyone contacted me or fixed the issue, or why my account is even in the condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-13 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXX/XX/year> -- {$9500.00}

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I looked at my account online and seen a large fraudulent transaction, from XXXX. I called the bank and told them immediately, they said I had to come in. I went into the bank within XXXX. They gave me another debit card and said this is a huge thing right now with allot of commercial accounts. My account was positive but with the amount of the transaction it put my account in the negative. They informed me there was nothing they could do until it posted to my account because at that moment it was in the pending stage. Once it post they took the money out of a large deposit i had come in from a credit card sales from a customer. They did put the money back 2 days later but still left the nsf charges from the fraudulent transaction. I went back into the bank branch and the XXXX told me there was nothing they could do. I informed her the nsf charges where not from any transaction thar I made it was from the fraudulent charges. She informed me they filed a ticket complaint but there was nothing they could do sorry. I don't understand how you can keep my money from a fraudulent charge but give me the money back from the same charge you knew eas fraudulent and refunded me from.

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 monetary relief
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX ( dark web ). It was until XX/XX/XXXX, that law enforcement informed me that identity was stolen in XXXX and the individual went as far as using my social security number to work under and even submit tax returns with the IRS.

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 2025-02-13 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-13 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Ive received alerts that my social security number and other personal information is on the dark web.. 
Ive in the recent past applied for car loans in which ultimately not purchasing a new vehicle. I am still receiving hits to my credit from my information being checked. No other company was allowed to fun my credit check other than XXXX XXXX XXXX XXXX however I have received letters and hit to my credit due to this Also there was a security breach with information linked actually Im afraid my credit will never reach an amount of over obtained anything due to this mishandling and misusage of my personal information Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX 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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have a Barclay 's XXXX credit card. Each month my cash back, typically XXXX  XXXX {$90.00}, is transferred to XXXX XXXX which then transfers it to my XXXX  XXXX  XXXX  checking account. Someone apparently changed my checking account info with XXXX last XXXX. From XXXX through XXXX, 2024 I never received any deposits. I finally realized it and changed my checking account back to my account. I tried to resolve this with XXXX and was told to change my password. Then I contacted Barclays again and was told to contact XXXX, which I have done several times with no resolution.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXXXXXX 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 2025-02-13 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: IL

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within XXXX  days. Relevant documents have been included for your review.

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