vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
I received email communication and sent a cease and desist from their company to stop emailing and calling me and instead send me a debt validation letter to the address they have on file. 

They continued to email me back after my cease and desist which is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CO

Complaint narrative:
I complained a week or so ago that I could not get into Equifax. After that complaint I was able to log in. Today I can no longer longer get in again. Please tell me how this is legal that i can not see my own credit report. My scores are changing and I cant see why. This is illegals illegal and it needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received an email reminding me to pay my open balance of {$720.00} by XX/XX/year>. The payment was sent on XX/XX/year>, accepted on XX/XX/year>, confirmation number is XXXX. The problem is that I never pay any of my bills late. If this was set up for automatic payment, they would have been paid twice. They have not responded. If they are doing this to me, how many other people are experiencing the same problem?

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 2025-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I originally called on XX/XX/XXXX to Wells Fargo to get a lien cleared from a loan that I had with them in 2014. This was a required loan that they made me take in addition to my small business loan that was for 75 % of my workforce housing XXXX XXXX  in XXXX  XXXX. I purchased this XXXX XXXX not needing a line of credit but was required to take a line of credit for {$25000.00}. I never took any money out of the line of credit. I paid off the original loan in XXXX years have been providing workforce housing for over 11 years in that market I split off my XXXX lots from the XXXX Plex to Lots into a different property with XXXX XXXX of Oklahoma XXXX and then XXXX now selling the XXXX lots to a developer to build additional workforce housing. I was notified about 10 days ago by the title company that there was XXXX liens left by Wells Fargo against the property, even though Wells Fargo can not find the account number in their system because they only held the data for XXXX years so they have a XXXX against my property that they dont have any records for Ive XXXX over XXXX hours on the phone with multiple different departments trying to get this resolved. It is still not resolved. I am frustrated with their lack of caring and giving me different case numbers with no results. My title company has agreed to escrow the {$25000.00} line of credit against this property so that I can move forward with the closing. I am looking to also to a XXXX and this process is now being held up because of their incompetence. I am frustrated that a firm can have a lien against me without having any documentation that I owe them any money and that the lien will not be removed at this point until they can find it

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. Specifically, I recently ( XX/XX/year> ) applied for pre-approval for a credit card through XXXX. The application clearly stated that checking for pre-approval would have no harm to my credit score, as advertised on their website. However, a hard inquiry was still placed on my credit report, which I did not authorize.

Additionally, I have noticed other hard inquiries on my credit report that I do not recognize or recall authorizing. These inquiries are negatively impacting my credit score, and I request their immediate removal.

I kindly ask for the CFPBs assistance in investigating this matter and ensuring that any unauthorized hard inquiries are removed from my credit report. Please let me know if any further information or documentation is required. 

Thank you for your time and assistance. 

Sincerely, 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 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
In XX/XX/2025, we went to court with original creditors, XXXX XXXX XXXX, in regard to a collection account from IQ international data, stating that we owed unpaid debt from renting from XXXX XXXX. We obtained a final judgement from XXXX XXXX XXXX XXXX XXXX we no longer owed the XXXX XXXX dollars from XXXX XXXX XXXX After sending judgement to IQ international data twice, as well as multiple telephone calls they refuse to remove the debt, stating that they have requested information from defendent ( XXXX XXXX XXXX XXXX ) attorney to verify the debt. It has been a month and they have yet to verify the debt, when contacted again regarding the issue they stated that they still have to communicate with other company to ensure we do not owe the debt. The court ordered document should be sufficient enough to remove the FALSE account. I have also disputed with ALL three credit bureaus - and EVERYTIME the company still states that they have verified our debt - although does not communicate the same information to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IA

Complaint narrative:
Cash app has restricted me from logging into my account and I have XXXX which I bought through cash app from my bank account connected to it on XX/XX/year>. I was advised by cash app support from their XXXX page to create another account and reach customer support on their app, I did that and had to verify my documents ( us passport, debit card ) plus did live video verification of myself and cash app would not grant me access to my old account. I connected my bank account that was used to purchase the XXXX through their cash app but all cash app support is saying is that they can not grant me access to withdraw my funds. It has been over 48 days since I last accessed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts/ inquires. 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 XXXXXX/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 2025-03-29 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: CA

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 2025-03-29 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: CA

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 2025-03-29 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
A hard inquiry was done on my credit report from someone trying to apply or get a JP Morgan Chase. Card under my name on XX/XX/XXXX. I did not authorize this inquiry it was not me. The inquiry is scheduled to continue on record until XX/XX/XXXX from XXXX credit bureau I need this inquiry to be taken off my credit report and investigated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im reaching out because Ive noticed an inquiry on my credit report that was made by your company. I want to be clear that I never gave permission for my credit to be pulled, and I did not authorize this in any way.

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 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On or after XX/XX/year> TransUnion rightfully deleted an account I had with XXXX. As of today, this account has reappeared on my credit report. This is egregious and illegal. By law they have to send me a reinstatement letter and that did not happen. They can not place credit back on my credit report that was deleted! This is negatively affecting my employment and ability to purchase a home and it need to be removed asap.

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 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NJ

Complaint narrative:
I moved out of my apartment on XX/XX/year> and shut off my utilities on that date. I did not receive a notification about a final bill or an attempt to collect a past due amount after shutting off my account. I have now been notified by a credit reporting agency that a collections report has been opened on my account. For background : On XX/XX/year> I scheduled a stop service request with the utility company. I received an email that the shutoff date was scheduled, and that I would receive a final bill electronically, consistent with previous communications. My account had been set up with autopay, so all prior bills were delivered and paid electronically on time. After the shutoff date on XX/XX/year>, I lost access to my online account. I did not receive an electronic notification, paper mail, or phone call about my final bill, even though I had USPS mail forwarding set up and the company had my phone number and email address. I did not receive a notification from the utility company, nor did I receive a notification from the collections agency. I had no opportunity to resolve the final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App has attempted to do a verification on my account without my permission. That being said I am unable to access any of my funds going on four days. No one can tell me how long this is going to take and will not give me any information and how to solve the problem. Ive called several times and no one will give me a direct answer. The funds I. My account are mine and not borrowed they have no permission to hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

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 XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4500.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request Account # [ XXXX ] Dear Portfolio Recovery Associates, I am writing to formally request debt validation regarding the collection account listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide written proof that I owe this alleged debt. Please provide the following information : 1. The name and address of the original creditor ( XXXX XXXXXXXX XXXX XXXX XXXX 

XXXX. The full account number associated with this debt. 

XXXX. A copy of the original contract or agreement bearing my signature that proves I am responsible for this debt. 

XXXX. A detailed itemization of the alleged debt, including the principal amount, any fees, interest, or other charges that have been applied. 

XXXX. Proof that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your company and the original creditor. 

XXXX. Any and all documentation supporting your claim, including proof that the debt has not been paid or settled. 

Please consider this letter as a formal dispute of the validity of this debt. Until you provide the requested validation, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you fail to provide the required documentation within 30 days, I expect this account to be removed from my credit report as unverified. 

Please respond to this request in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Monday, XX/XX/XXXX Closed pending Best Buy credit card application made without my authorization Contacted Best Buy fraud department to close account Froze credit through all credit bureaus and disputed Hard Inquiries made through XXXX Credit bureau

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