vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: PA

Complaint narrative:
A federal criminal complaint is currently in preparation to be filed against System & Services Technology , Inc. ( SST ) for several documented violations of 15 U.S. Code 1693c of the Electronic Fund Transfer Act ( EFTA ) and regulations codified under 12 C.F.R. 1005.10. It will be at the US Attorneys discretion whether the parent company, XXXX XXXX XXXX, could be included in any of these potential proceedings. A copy of this letter and included Exhibits A and B will be immediately forwarded to the Consumer Financial Protection Bureau ( CFPB ). 
* * * * * * * * * * * * * * * Background : On XX/XX/XXXX, I, XXXX XXXX, obtained a loan financing {$5500.00} from XXXX XXXX XXXX XXXX ). I preauthorized XXXX to make automatic, recurring electronic fund transfers ( ACH debits ) from my personal checking account on the XXXX of each month. However, without any notice being provided any notice, XXXX ( XXXX XXXX ) transferred my account for servicing ( without any ownership interest ) to SST. SST, a separate entity, then began making automatic ACH debits from my personal checking account, without my authorization and without any notice ( Exhibit B ). It is also important to note that I was not made aware of these facts until receiving a letter from SST dated XX/XX/XXXX ( Exhibit A ). In this case, where there was a change in the institution servicing my loan, the narrow exception under 1005.10 ( b ) ( 1 ) for electronic fund transfer preauthorization does not apply, and it is consistent with the CFPBs interpretation of this regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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.

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
While using cash app as a platform to assist with XXXX XXXX XXXX assistance from family and friends numerous cash app fund deposits were rejected and not received in addition my account was closed for a reason not specified by cash app. The only activity were actions that contribute to cash app rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX - {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4600.00} Inquiries : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-23 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: FL

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX - {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4600.00} Inquiries : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is reporting a collection account on all XXXX  of my credit reports without my knowledge, permission, or legal consent. I have never received a single piece of mail or communication from this company. I did not agree for them to have access to my personal or financial data, and I never gave permission for any original creditor to transfer my information to them. 

They are illegally holding and reporting my personal information, including my Social Security number, without a permissible purpose. This violates multiple sections of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

They never provided : A debt validation notice within 5 days of placement A full breakdown of the alleged debt A copy of the original signed agreement Any wet signature proving I agreed to this account or collection They are damaging my credit across TXXXX XXXX XXXX XXXX without proof, without consent, and without following legal procedure.

They are in violation of : 15 U.S. Code 1692g ( b ) Refusal to validate the debt properly 15 U.S. Code 1681s-2 Reporting unverifiable or inaccurate information 15 U.S. Code 1681b Unlawful access to my credit profile FCRA Section 604 No legal basis to possess or report my data FDCPA Section 809 ( a ) Failure to notify me of my right to dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
I am filing because my credit report has unauthorized student loan accounts that I never gave permission to be reported. The Department of Education and XXXX unlawfully shared my personal information with the Department of Government Efficiency ( DOGE ) without my consent violating the Family Educational Rights and Privacy Act ( FERPA ). This Privacy violation led to the reporting of a student loans account on my credit file without my authorization. I did not provide written consent to the credit bureaus to report this account. I also did not authorize XXXX or Department of Education to disclose my personally identifiable information ( PPI ) .This is a complete violation of Family Educational Rights and Privacy Act ( FERPA ). I have already filed an FTC Identity Theft Report reference numbers ( XXXX ) ( XXXX ) this Privacy violation.

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 2025-08-23 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 filing because my credit report has unauthorized student loan accounts that I never gave permission to be reported. The Department of Education and XXXX unlawfully shared my personal information with the Department of Government Efficiency ( DOGE ) without my consent violating the Family Educational Rights and Privacy Act ( FERPA ). This Privacy violation led to the reporting of a student loans account on my credit file without my authorization. I did not provide written consent to the credit bureaus to report this account. I also did not authorize XXXX or Department of Education to disclose my personally identifiable information ( PPI ) .This is a complete violation of Family Educational Rights and Privacy Act ( FERPA ). I have already filed an FTC Identity Theft Report reference numbers ( XXXX ) ( XXXX ) this Privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you block and remove adverse credit information associated with accounts that were opened or incurred as a result of my victimization through XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-3, consumer reporting agencies are prohibited from including adverse information on a credit report if that information resulted from XXXX. 

Please be advised that I am a confirmed victim of XXXX XXXX. As required by law. 

Creditors : XXXX XXXX XX/XX/XXXX {$850.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX. XXXX XXXX XXXX  XX/XX/XXXX {$20000.00} XXXX. XXXX XXXX XX/XX/XXXX {$720.00} XXXX. XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX {$13000.00} XXXX. XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XX/XX/XXXX {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 submitting this complaint concerning multiple items on my credit report that I believe may be inaccurate, incomplete, or improperly reported. As a consumer committed to responsible financial management, I take the accuracy of my credit file very seriously. I respectfully request a formal investigation into the following issues : 1. Repossession XXXX XXXX XXXX Account # : XXXX Balance : {$8800.00} This account relates to a vehicle repossession that occurred during a period of financial hardship several years ago. While I acknowledge the repossession, I request a review of the reported balance, dates, and current status to ensure the information complies with the Fair Credit Reporting Act ( FCRA ).

Relevant FCRA Provisions : 607 ( b ) : Requires reasonable procedures to ensure the maximum possible accuracy of reported information.

605 ( a ) ( 4 ) : Repossessions may not be reported beyond XXXX years from the original delinquency date.

611 ( a ) : Consumers have the right to dispute and request reinvestigation of inaccurate or incomplete items.

2. Collection Account XXXX XXXX  Account # : XXXX Balance : Not listed This collection account appears on my credit report without a balance or adequate detail. I do not recall owing this debt, and the absence of full account information raises questions about its legitimacy. I am requesting a full validation of this debt and its details.

Relevant FCRA Provisions : 607 ( b ) : Requires accurate and complete reporting.

609 ( a ) ( 1 ) : Consumers have the right to know the source and nature of reported information.

605 ( a ) ( 5 ) : Limits reporting of negative information beyond XXXX years from the date of first delinquency. 

XXXX Credit Inquiries The following inquiries appeared on my report, many of which I do not recall authorizing : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX I am concerned that these inquiries may not have been made with my full consent or for permissible purposes. Under FCRA regulations : 604 ( a ) : Consumer reports may only be accessed for specific permissible purposes, and often require consumer authorization.

609 ( a ) ( 3 ) : Consumers have the right to know who accessed their reports and why.

607 ( a ) : Credit reporting agencies must maintain procedures to prevent unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My personal information was stolen and used to open an account without my knowledge or permission. I did not apply for or authorize this account. 
Creditor/Institution : TRUIST BANK Account Number : XXXX Date discovered : XX/XX/year> I first learned of this account when I was contacted by the creditor. I immediately took steps to address the identity theft, including : Filing an FTC Identity Theft Report Report # XXXX Filing a police report Report # XXXX Sending dispute letters to the credit bureaus and creditor, including supporting documentation.

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 2025-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XX/XX/year> started with a solar door to door situation, pressure sale ended up in a tablet doc-u-sign situation, they scroll and you can not read goes by so fast, some where in the scrolling there was bank application, it was over clouded by the itnililing, Well now there's a loan for equiptment I'm paying {$95.00} mo for 25 years for equiptment that does not work half the time and the installers for GoodleapXXXX XXXX XXXXXXXX XXXXhat put out the warrenty has went bankruptcy A-Wall. So Im in process looking for legal help, This bank account Goodleap set up I did not know anything about till recently, run across it while going thru solar papers, Ther is a letter that was produced along side of bank account application, Says : XXXX XXXX XXXX XXXX, Congratulations on your decision to install a sustainable home improvement product with Goodleap, As a special thank you for selecting Goodleap loan with XXXX we are covering both your {$5.00} membership share with XXXX and you {$10.00} Co-Op membership share. This is just one of the many ways we go above and beyond to assist you. We welcome you to the XXXX family and look forward to serving your financial needs. Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX. This bank is in CA, I called about it and when I mention the word Goodleap they hung up. I have done many loans in my time but never one to open a bank account for me. Doc-u-sign is being abused by people such as this one.

Company response to consumer: Closed with explanation