vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I am writing to formally dispute several entries on my credit report, which I believe are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 611, and 623, as outlined in the recent class action lawsuit against XXXX and XXXX regarding data breaches and improper credit reporting practices. My credit report contains outdated information, including a collection account from XXXX, I.C System , Inc  XXXX Original creditor ; XXXX XXXX XXXX XXXX Despite submitting previous written disputes regarding these errors to both XXXX and XXXX, the credit bureaus have failed to conduct a reasonable investigation, leading to the continued presence of inaccurate information on my credit report. 
I further request that the CFPB take necessary enforcement actions against these credit bureaus to ensure compliance with the FCRA, including the correction of the inaccurate information on my credit report and appropriate consumer redress. I also had incorrect spelling of name and addresses connected to my credit report, that I have not lived at. I am also a previous victim of Identity Theft.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zebit, Inc.
State: CA

Complaint narrative:
I received a credit report with a debt collection from bounce ai. I disputed the account several times via XXXX and reported the fraud. The original company zebit can't be reached. I have filed a complaint with the bbb but they were unable to contact them. I have never had any type of account with zebit. I have never heard of zebit.com. 

I have emailed help@zebit.com many times. The website contact page is blank.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX, XXXX, and/or TransUnion ] are reporting incorrect and fraudulent information on my credit report. Despite my previous disputes, these accounts do not belong to me and should have been removed immediately as required by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Accounts on My Credit Report The following accounts have been incorrectly reported under my name, and I am requesting their immediate removal : XXXX XXXX ( Ending in XXXX ) Balance : {$0.00} This account does not belong to me and should not be associated with my credit profile. 
XXXX XXXX ( Ending in XXXX ) Balance : {$1400.00} I have never opened this account or authorized it in my name. 
Credit Card XXXX XXXX XXXX ( Ending in XXXX ) Balance : {$1500.00} I have no knowledge of this account and never applied for it. 
Additionally, I want to make it clear that : I have not authorized anyone to be on any of my accounts. 
I have not been added to any accounts by anyone else. 
These accounts are being reported without my consent. 
FCRA Violations by the Credit Bureaus The credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information. The violations include : Failure to Maintain Maximum Possible Accuracy ( 607 ( b ) ) The FCRA requires credit bureaus to report only verified and accurate information. These accounts do not belong to me, yet they remain on my report. 
Failure to Conduct a Reasonable Investigation ( 611 ( a ) ) I previously disputed these accounts, but the credit bureaus failed to properly investigate and remove the fraudulent information.

Failure to Block Fraudulent Information After Identity Theft Report ( 605B ) The FCRA requires that fraudulent accounts be blocked and removed once an identity theft report is provided. I will provide my FTC Identity Theft Report, yet these accounts still have not been removed. 

I have attached the following documents as evidence : FTC Identity Theft Report Statements of all legitimate accounts I own

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 2025-02-05 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: SC

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: AL

Complaint narrative:
This company is calling me multiple times a day and leaving voicemails on my phone even after I have repeatedly asked them to stop calling my phone number. I do not have any knowledge of the debt they're saying is owed, and they do not call me by name when they call. My voicemails are an automated system telling me to call back and this has been continuing for months on end. I have blocked their number, but the calls keep coming and the voicemails are never ending. This is harassment and needs to stop. I don't know how they got my contact number, but it was not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Its a lot of inquiries and and other stuff on there that should not be there

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Its a lot of inquiries and and other stuff on there that should not be there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is currently involved in pending litigation and should not be reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 ( 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 resolutions process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund 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 2025-02-05 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: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I mistakenly overpaid my landscaper thru his payment system. After hitting send I realized the amount was too high, {$1200.00}. I immediately called Chase Bank to reverse the payment. Chase can take my money out of my account within less than a second, but 9 days later I still do not have my money back. This is ridiculous and just not fair, it is my money. The landscaper was well aware I made this mistake and he agreed for them to reverse the charge. I told Chase this when I called. Needless to say, I called again over the weekend and they said they needed more information. I was never called or emailed or messaged that there was more " information '' needed. I stately very clearly what happened. They even had the nerve to ask me what date this occurred on, when they had my account up on their screen. I called again on Tuesday one full week later and they again stated they needed more info, which was just the original info they had. I was told the money would be back today, 9 days later, and it is still not back as yet. I received a secure message today stating it was under review and I would receive a letter. This is just wrong, I do not need a letter, I need my money. I will be taking my money and my children 's money out of Chase Bank and will be banking elsewhere, after being a loyal customer for 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am being charged an additional service fee for using my credit card in lieu of cash or debit card.

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Back in XX/XX/year> someone fraudulently open up an account and my name for the amount of {$1.00}, XXXX. I've tried contacting everyone in regards of this issue because it is not mine! And I wish to have these improper inquiries off my credit ASAP! I can not get a mortgage, because of something I did not do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received several American express gift cards however I can't use them! I tried online and it declined. I called their customer service & they said I had to select credit at checkout, and make sure it wasn't storing my information, otherwise it wouldn't work. I went back & re-tried. It still didn't work. I called back. I was told to use it at a place in person as credit. That afternoon I went out and attempted to swipe the card in-person as credit but it was also declined. It was embarrassing and I used another card.

I called back & said I had followed all of their instructions & it still wasn't working. I asked for a printed list of all places where I could use this card. They said anywhere that takes American express. Then they tried to say my magnetic strip was bad & not readable. It's a brand new card, just activated and only swiped that one time!! I was told to have merchants enter the information manually and not by swiping. 

I called my cell phone provider to male a payment with this card. I explained I needed them to manually enter the information. After much to do there she transferred me to an automated system where I entered my own card details manually just like I was instructed by American express customer service & again, denied! 

Oh also I should mention, at that places I was denied a .10 charge was removed from my card that will take 10 days to put back. So on this card I have not used, I have many " charges '' of .10 for which I received no product or service, and just frustration while trying to purchase a product.

I told the supervisor I can not travel up & down the street attempting to make random, unnecessary purchases at any & every vendor to see which vendors work. They also said I couldn't use it at some places, like to pay bills, because the cars isn't assigned to an address or person which would match my account billing information. 

If I can not enter it online, or swipe in a store or use the details on the card manually, how do I use this card? I asked for the supervisors supervisor. She told me it wouldn't matter because everyone would tell me the same thing but claimed someone would call me. No one has called me. 

This fraud protection has gone too far. I came into possession of this card legally, as a gift but this money is useless. 

I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-05 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
" This letter serves as formal notice that the debt in question was legally canceled, as evidenced by the enclosed IRS Form 1099-C. Any further attempts to collect on this debt violate the FDCPA and may be subject to legal action. '' FCI Lender Services violated the FDCPA

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 2025-02-05 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation