vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I canceled my Internet because I was moving out of my apartment, but it was never canceled and money kept coming out of account. I then finally canceled it a second time and was confirmed that it was off and then I still got a bill from them for an additional XXXX months. I was never emailed phone call or sent any information. This happened in XXXX and only recently this year XXXX if Ive seen it hit my credit report. Its easily {$200.00} but I do not owe it to them. I already overpaid after I moved. I paid for Internet service that I didnt use because I didnt even live there. The debt is from XXXX yet they just posted it to my account as a new debt which is illegal in 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 2025-03-22 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: MT

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

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$630.00}

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
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been banking with cash apps since 2020 and I have had over XXXX dollars that could not be recovered for disputes fees and credit that was not placed in my account since 2020 the illegal act of this financial institution is still impacting me and my banking needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
On the XXXX of XX/XX/XXXX, I disputed for incorrect information of my credit file in Equifax regarding XXXX XXXX  Card and XXXX XXXX XXXX, but Equifax is not correcting or removing the wrong information from my credit file for no reason. Equifax said that XXXX XXXX XXXX and XXXX XXXX XXXX notified Equifax of my late payment at the end of XXXX. However, I even sent to Equifax the documents from those XXXX companies stating that it was not the status of 'the late payment status ' but confirmation of the agreement allowing me pause for the payment for XXXX ( XXXX ) and XXXX ( XXXX ) months officially due to my request and my financial circumstances. Those XXXX financial institutes gave me the confirmation ( agreement ). Other Credit Reporting Agencies ( XXXX XXXX XXXX ) understood and deleted the wrong information upon receiving my dispute but not the Equifax. Equifax even didn't give you a clear reason why they didn't correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/year> Amount XXXX I requested a 1099c from never received from this is against the CFPB LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
This company has continually called me and will not tell me what the debt is for or who it is for. They are trying to get my personal information and will not get it from me. If the calls continue, I will pursue legal action if this continues, as I am keeping track of the number of times I am robocalled. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The name on my credit report is Credit Collections, the date opened is XX/XX/year> The amount of the debt is {$190.00} There is no other information. The account was reported on XX/XX/year>. There is no other information on my credit report to identify this company. 


I am filing this complaint regarding in inaccurate item on my report that continues to negatively impact my credit. I have no knowledge of this account and have not received any communication or contract from this company. I am requesting an investigation and immediate removal of this item and it is incorrect and does not reflect my true credit history. I have never had a contract or account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against LVNV Funding regarding a fraudulent account ( Account Number : XXXX ) that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was incarcerated from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained a credit account during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from LVNV Funding, and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and take action to ensure that LVNV Funding : Removes this fraudulent account from my records immediately. 
Ceases all credit reporting of this account. 
Provides documentation supporting their claim, if any exists. 
Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to LVNV Funding. 
Please let me know how I can proceed further. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Subject : Urgent Request for Assistance in Correcting an Unfair Credit Report Entry Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an unfair and damaging credit report entry that has significantly impacted my financial well-being. Despite my history as a responsible and loyal customer, my credit score recently dropped by XXXX points due to a {$4.00} charge from XXXX that resulted in a {$12.00} past-due report. This charge was unknown to me, and the moment I realized it, I paid it immediately. Nevertheless, this has resulted in a severe and unjust consequence. 

I have maintained an exceptional payment record for years, paying my balances in full and on time. This isolated oversight does not reflect my financial responsibility, and I believe the punishment is extreme given the circumstances. I have reached out to both my credit card issuer and XXXX to resolve this matter, but they have been unwilling to take appropriate action. 

I respectfully request your intervention to have this inaccurate and damaging late payment removed from my credit report. I am deeply committed to maintaining my financial stability and reputation, and this unjustified blemish is causing undue stress and hardship. Enclosed, you will find supporting documentation illustrating my payment history, prompt resolution of the XXXX charge, and my correspondence with both my credit card issuer and the credit bureau. 

I trust that your office will recognize the unfairness of this situation and advocate on my behalf for the correction of my credit report. I would be grateful for your prompt assistance in this matter. 

Please let me know if you require additional documentation or information to support my case. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
This is my second complaint against this company. After the first complaint, they limited their calls for awhile. Now they are calling 4-5 times a day, using different locations/numbers, in an attempt to get me to answer the phone. Most times they call I am working and don't even have my phone on me. This is out of control. I know, I owe the loan, I'm struggling with it. But the calls make it more difficult to deal with the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.

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 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: AL

Complaint narrative:
I am a Veteran who was referred to XXXX as part of community care that is covered by the VA. I have disputed multiple times stating this and attaching documentation stating this. I have not received care from XXXX since XXXX however this debt was placed on my record in XXXX. The collection agency also has not sent any documentation by mail, email or phone call. They are stating I owe {$990.00} which is not correct. They are also violating the XXXX with the VA. This collection agency just seems fishy all around and I am stuck with a debt I do not own. They also have my previous name ( XXXX XXXX ) on the account which I changed legally everywhere in XXXX so I know this debt is very old and probably wasnt reported in the correct time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against FNBO XXXX XXXX  regarding a fraudulent account ( Account Number : XXXX ) that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was XXXX  from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained a credit account during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from FNBO XXXX XXXX, and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and take action to ensure that FNBO / XXXX XXXX Removes this fraudulent account from my records immediately. 
Ceases all credit reporting of this account. 
Provides documentation supporting their claim, if any exists. 
Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to FNBO XXXX XXXX. 
Please let me know how I can proceed further. I appreciate your assistance in this matter. 

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NY

Complaint narrative:
Sent money to wrong person by accident and they would not credit me or cancel the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My family was hacked ( XX/XX/year> ), we think through our XXXX account. A hacker somehow obtained our bank passwords ( from myself, my mother, and sister ). They then ported our mobile numbers to a different carrier, while they conducted illegal transactions. On my account they were able to process unauthorized XXXX, and XXXX and other transactions using my account- totaling over XXXX usd. I reported fraud for the first XXXX transaction immediately to Bank of America, and flagged the unauthorized activity. On BoA instruction I froze any debits to my accounts and filed a claim for the XXXX transaction. the next day, I found two additional charges on the same BOA account. when I called to report them I was told they were processing and my account was safe from any withdrawals because debits were frozen. Today the transactions show as processed and have lowered my balance. I called boa again- the fraud dept has frozen online activity but was unable to file claims on the other two transactions because the department is closed on Saturday. I would like an investigation into this particular type of financial fraud - hackers interacting with banks and phone companies to obtain 2 factor authentication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In accordace with the FCA this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 states consumer reporting agency can not furnish on an account with out my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open ended credit plan as late for any purpose.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-22 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: UT

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

Account Name : XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> 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