vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to equate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
XXXX Furthermor their dispute resolutio! XXXX ) XXXX XXXX was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital Systems robo called my cell phone. Me knowing i don't owe a company any money i was baffled as to why they called my phone. I called back and they were looking for a XXXX XXXX XXXX. My name is nothing similar and what gives them the right to be calling knowing i'm not the person they're looking for. Surely XXXX told them that XXXX XXXX isn't associated with my number. I've told them before not to contact my phone. I'm sick of it, if the name doesn't match the phone number they shouldn't be calling and harrassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have inquiries on my credit that's not correct for XX/XX/year> and XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) :

Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear XXXX Dispute Department, I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim.

I have identified three separate fraudulent accounts on my XXXX credit report that I do not recognize, nor did I authorize their opening. These accounts are as follows : XXXX XXXX XXXX XXXXXXXX Account # XXXX ( Opened : Unknown ) XXXX. Freedom XXXX Account # XXXX ( Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXk Account # XXXX ( Opened : XX/XX/XXXX ) These accounts were fraudulently opened in my name without my knowledge or consent. Additionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.

Fair Resolution Request I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block all of the fraudulent accounts, collections, and hard inquiries identified in my CFPB complaint from my consumer credit file within four ( 4 ) business days of receipt.

Additionally, I request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of a CFPB Complaint I request written confirmation of the removal and blocking of these accounts within 30 days of receipt of this dispute, as required by federal law. Please send all correspondence regarding this matter to my email and mailing address listed above. If further information is required, I can be reached at ( XXXX ) XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 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 2025-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute on account XXXX, with Capital one ; due to reporting in accurate late payments on a closed account. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it's affecting my chances getting house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express has closed the aforementioned account and sold it to a third-party debt collector without my knowledge or consent, while continuing to utilize the principal 's private information and sending monthly statements to the principal 's address without providing access to the account. These actions have caused material harm to the Estate and may constitute violations of federal consumer protection laws. They have recently acknowledged and appointed my Estate POA over the account but has yet to acknowledge any of the request and has referred me to the 3rd party collector to assist my request and they have responded by saying they are only able to collect a alleged debt, American Express is ignoring. My request and committing various violations. American Express 's actions appear to violate several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : breach CRA 's requirements for accuracy and transparency.

Any inaccurate reporting of the account status after its sale, while continuing to use private data, may Gramm-Leach-Bliley Act ( GLBA ) : The continued use of the principal 's financial information after the account closure and sale could be a breach of GLBA 's data privacy requirements.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - 12 U.S.C. 5531 : Sending monthly statements for an account American
Express no longer manages, while denying access, may constitute deceptive and abusive financial practices under the Consumer Financial Protection Bureau ( CFPB ) regulations.

Uniform Commercial Code ( UCC ) Articles 3, 4, and 9 : Governs the handling of negotiable instruments, bank deposits, and secured transactions, which American Express must comply with when managing account-related instruments and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
On XX/XX/XXXX XXXX XXXX XXXX received a debt collection on my credit report from the collections agency for {$380.00}. 
The name on this report do not match my legal information and I do not own this debt. 

Please provide the following information to me : How did the credit bureaus verified this information against my legal information before adding it to my credit reports? 

How did the debt collector verify this information against my legal information? 

Show proof that matches my legal information to show that I own this debt In the name of " XXXX XXXX '' Regards XXXX 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 2025-03-11 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:
On XX/XX/XXXX XXXX XXXX XXXX received a debt collection on my credit report from the collections agency for {$380.00}. 
The name on this report do not match my legal information and I do not own this debt. 

Please provide the following information to me : How did the credit bureaus verified this information against my legal information before adding it to my credit reports? 

How did the debt collector verify this information against my legal information? 

Show proof that matches my legal information to show that I own this debt In the name of " XXXX XXXX '' Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Hello I have been paying the loan for 3 years I wasn't given the correct information about what type of loan that I will be receiving I receive interest every day instead of paying every 30 days it goes up and that don't supposed to happen the young lady that did my information was fired due to incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
These Hard Inquiries do not belong To me have not been authorized by me and should be removed. These other too Thanks XACTUS LLC XXXX XXXX XACTUS LLC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I was scammed and did a Zelle and when I reported it, I was not able to get my money back or refunded literally just scammed out of my money. This caused my whole bank account to be closed and with a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
And a Repossession you are required by law to send notification for Repossession as well as provide that information to the consumer as well as get a proper exchange once Repossession on private property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/year> Collection agency name : LVNV FUNDING LLC Address : Account number : LAST XXXX XXXX : XXXX XXXX XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
The debt collector is trying to collect two separate amounts on my credit report and is purposely garnishing my score by reporting two different collection amounts. I've only received notice about one account. Which I'm still unaware of.

I don't have any representation of the address they have on file as I've never lived at the address being reported. 

I also disputed this issue back in XXXX  when the debt was initially reported through XXXX XXXX, and the dispute was approved.

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 2025-03-12 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: GA

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