vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
I am reaching out to express serious concerns regarding inaccuracies I have identified in my credit report. Upon review, I discovered multiple discrepancies, inaccurate accounts, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I would greatly appreciate your prompt assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Date : XXXX  Amount : {$1000.00} A XXXX transfer was done on my account which was a scam. I notified my bank and I was told that XXXX transactions can not be reversed and i was unable to get my money even though it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
I am writing in response to your reply dated XX/XX/year> regarding my debt validation request. While I appreciate your acknowledgment and your stated intent to reach out to the original creditor, XXXX XXXXXXXX, your response does not fully satisfy my original request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To reiterate, my request for validation requires the following documentation : Documentation of Obligation Copies of any agreements, contracts, or other documents bearing my signature that establish my obligation to pay this debt.

Evidence of Assignment Documentation demonstrating your legal authority to collect this debt, including a complete chain of custody tracing the transfer of rights from XXXX XXXX to your agency. 
Statute of Limitations Proof Evidence that this debt remains within the statute of limitations for collection.

Detailed Payment History A complete account history, including a breakdown of all charges, fees, and interest that comprise the current balance.

Until these documents are provided, I continue to dispute the validity of this alleged debt. Additionally, I remind you that during this dispute process, you are required to cease all collection activities and refrain from reporting any unverifiable information to the credit bureaus. If this account has already been reported, I request that you immediately notify the credit reporting agencies of my dispute, as required by law. 

Please provide the requested documentation within 30 days from the date of this letter. Failure to do so will be considered non-compliance with the FDCPA, and I will expect this account to be removed from my credit report. Additionally, I reserve the right to pursue legal action for any violations of the FDCPA or the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-28 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been a customer of Wells Fargo for over 10 years. I have checking and saving accounts with them as well as a credit card and a personal line of credit. 
The problem is that I started getting emails from my phone company, from other vendor about not being able to process my payments. I reached out to customer support and they told me that they unilaterally decided to revoke my debit card without ability to get it back for 12 months. The reason is that was done " to keep my money safe ''. They did not close the account itself but I can't use the debit card associated with it. 
I called them 2 more times trying to reason with them and get more details about the exact reason for that and nobody seems to be able to give me a straight answer.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against LVNV Funding, LLC for violations of my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). LVNV Funding has reported a debt to the credit bureaus without notifying me, failed to validate the debt upon request, and is attempting to collect a debt that does not belong to me. Their actions have caused harm to my credit and financial standing.

Violations Committed by LVNV Funding 1. Failure to Provide a Debt Validation Notice ( 15 U.S.C. 1692g ) Under the FDCPA, 15 U.S.C. 1692g ( a ), a debt collector must send a written validation notice within five days of their first communication, informing me of the amount of the debt, the creditors name, and my right to dispute it. LVNV Funding never sent such notice.

2. Failure to Validate the Debt ( 15 U.S.C. 1692g ( b ) ) I have not received any verification of the debt, yet LVNV Funding has continued to report it on my credit file. This violates 15 U.S.C. 1692g ( b ), which prohibits debt collectors from continuing collection efforts without proper validation.

3. Furnishing Inaccurate Information to Credit Bureaus ( 15 U.S.C. 1681s-2 ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), a company must ensure the accuracy of any information reported to the credit bureaus. LVNV Funding reported a debt that does not belong to me, damaging my credit unlawfully.

4. Unauthorized Collection of a Debt Not Owed ( 15 U.S.C. 1692e ( 2 ) ( A ) ) LVNV Funding is misrepresenting the character and legal status of this alleged debt. This is a direct violation of 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false representations about a debt.

5. Unfair and Deceptive Practices ( 15 U.S.C. 1692f ) LVNV Fundings failure to notify me before reporting the debt and their refusal to validate it constitutes unfair and unconscionable collection practices, violating 15 U.S.C. 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Thursday XXXX at XXXX PST, USAA lockked by debit card after I tried to use it at the atm, I went into the mobile app and updated my pin. Then I tried again and the atm directed me to call my bank. I called USAA and the rep said my card was locked for fraud for 24-28hrs and I asked why and she could not tell me, so I asked for a supervisor and she transferred me to the fraud dept. The fraud rep could not tell me either until I explained to him that I am a XXXX XXXX XXXX veteran with XXXX ( XXXX and XXXX  ) and XXXX (  XXXX XXXX XXXX XXXX XXXX ) and I need access to my benefit money to pay bills, rent, etc... and 24-48hrs is unacceptable. He talked to his supervisors then was able to reactivate my account. Then at XXXX PST on XXXX, the same day, I get an email and a message in the mobile app stating my account is being locked for suspicious activity and to call the toll free number. I called the number, but guess what, it is after hours and they are closed. So I can not access my money until they open tomorrow and I call back and jump through hoops to get to someone to explain what the XXXX is happening. I only get my XXXX XXXXXXXX benefits direct deposit to this account and it is from the dept of treasury so I do not see what the issue is. I have already filed a complaint to the XXXX  and the FDIC.

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 2025-02-28 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: ID

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Early 2024 I received an email from Capital one regarding a credit card which instructed me to complete the application process already started from what it looked like one of those mail advertisements. I called them and said that I had never applied for anything and they said that they would claim it as fraud and that they would close any and all of the opened online forms. Fast forward to XX/XX/year> again I received an email warning me that I had until the XXXX of XXXX to complete the form to receive another credit card. Right away I called capital one and spoke to their fraud department and once again they closed everything down. Now on the XXXX of XXXX someone got my address and ordered a debit card to my house which Im guessing was a hard inquiry. A few days later I received the card from capital one. Once again I called capital one to report this problem. But now I have called XXXX  because I saw there was a hard inquiry on my credit. I wanted off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint regarding AFFIRM INC, who has failed to send me a copy of the XXXX form for XXXX accounts reported charged off/paid to them XX/XX/year> in the amounts of : {$630.00}, {$670.00}, and {$680.00}. Despite my repeated requests for this documentation, AFFIRM INC has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : Internal Revenue Code ( IRC ) 6050P : This statute requires creditors to report the cancellation of debt, including issuing a XXXX form to consumers when a debt of {$600.00} or more has been canceled. 

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt. 

The absence of the XXXX form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by AFFIRM INC . The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues. 

Thank you for your attention to this important matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$6400.00}

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 explanation