vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. Violation of 15 U.S.C. 6802 ( Financial Privacy Rule under the Gramm-Leach-Bliley Act ) This statute requires financial institutions to provide notice and an opportunity to opt-out before sharing personal financial information with non-affiliated third parties. I did not provide XXXX XXXX XXXX with express consent or an opt-in for such reporting, and no sufficient opt-out notice was provided. 
2. Violation of 15 U.S.C. 1681b ( b ) ( 2 ) ( Fair Credit Reporting Act - Permissible Purpose Requirement ) Under this law, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX reported my account without my prior written consent, this action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) If my personal information was used without my authorization for credit reporting purposes, this could be considered a form of identity theft under federal law, warranting serious legal repercussions.

4. Violation of 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) If my credit information was obtained and reported without a valid permissible purpose, this could constitute obtaining information under false pretenses, which is explicitly prohibited under the FCRA.

5. Violation of 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) Entities that knowingly or willfully violate FCRA provisions may be held liable for statutory and punitive damages, including attorney fees. If my credit data was reported without proper legal authorization, I reserve the right to pursue civil remedies.

6. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) If my information was reported under circumstances that involve identity theft or unauthorized use, I have the right to request an immediate block of such information from being reported to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. Violation of 15 U.S.C. 6802 ( Financial Privacy Rule under the Gramm-Leach-Bliley Act ) This statute requires financial institutions to provide notice and an opportunity to opt-out before sharing personal financial information with non-affiliated third parties. I did not provide XXXX XXXX XXXX with express consent or an opt-in for such reporting, and no sufficient opt-out notice was provided. 
2. Violation of 15 U.S.C. 1681b ( b ) ( 2 ) ( Fair Credit Reporting Act - Permissible Purpose Requirement ) Under this law, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX reported my account without my prior written consent, this action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) If my personal information was used without my authorization for credit reporting purposes, this could be considered a form of identity theft under federal law, warranting serious legal repercussions.

4. Violation of 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) If my credit information was obtained and reported without a valid permissible purpose, this could constitute obtaining information under false pretenses, which is explicitly prohibited under the FCRA.

5. Violation of 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) Entities that knowingly or willfully violate FCRA provisions may be held liable for statutory and punitive damages, including attorney fees. If my credit data was reported without proper legal authorization, I reserve the right to pursue civil remedies.

6. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) If my information was reported under circumstances that involve identity theft or unauthorized use, I have the right to request an immediate block of such information from being reported to credit agencies.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
This Company, Sunrise Credit Services will call and when i answer will sit there a minute or so and then hang up without uttering a word. This happens multiple times a day, monday thru friday and i have ask them to stop, especially if they aren't going to respond when i answer. I had to call them just to hear their recording so i could find out what company was calling me

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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.

Furthermore, their dispute resolution process 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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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. Furthermore, their dispute resolution process 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 2025-03-19 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I recently reviewed my credit report and discovered unauthorized accounts reported under my name. These accounts were opened without my authorization and should not be associated with my credit file. The fraudulent accounts include : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX  XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) These accounts were opened without my knowledge or consent, and I have already filed an identity theft report with the FTC.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase allowed almost {$700.00} of my dollars to be unlawfully removed from my account with unauthorized charges from XXXX XXXX XXXX. On top of XXXX XXXX XXXX for XXXX twice. Chase Bank then recently closed my account without giving Me back my funds after confirming at Chase Bank that XXXX committed this crime. All of my proof was submitted. XXXX even provided illegal documents claiming my signature was on some charges. Once Chase Bank received the proof it was transparent my signature was not on any documents. XXXX then was in a three way conference with Me about the problem with the fraud department. I believe there are influencers allowed in my personal business. I want them exposed and removed from society for their serious crimes. Chase then accused Me like something was wrong with my money orders. I cash my money order yesterday. The Post Office Clerk verified the money order. There was not anything wrong with any of my money orders. Chase Bank helped the criminals. I want to know if there are any law enforcement agencies involved to have them permanently removed from their positions for aiding in deceit without probable cause. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
As the Trustee of this trust account and Executor of the contract with XXXX, I am demanding proper performance regarding the following closed installment account. This account is inconsistent across credit bureaus and does not properly reflect my financial situation. It is not beneficial to have this account reporting on my credit profile. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX The proper performance in this matter is the permanent removal of this account from all credit reporting agencies, as it does not accurately represent my financial history or serve any purpose in reflecting my creditworthiness. The reporting inconsistencies, including the past due amounts, are misleading and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
Im disputing the accuracy from of the payment date of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Missing information is not complete and accurate. Theres also a charge off for XX/XX/XXXXXXXX  and another charge off for XX/XX/XXXX. This is illegal and inappropriate behavior for you as the reporting agency to count this as verified. This is illegal Re aging. I cant charge an account off every month. Prove to me that this is accurate. You keep saying verified but you cant prove this. You are breaking the law XXXX {$2400.00}

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 non-monetary relief
Consumer complaint received 2025-03-19 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Experian : I have attempted 4 times to have a fraud alert removed from my record. They remove it and then it is added back. You can no longer talk to a person, so there is no way to ensure this is handled correctly. I can't even go in and remove the fraud alert, I am not contacted when they put it back on, I have to contact their ai which tries to put another fraud alert on my account. The numbers are XXXX and or XXXX. 

I now have lost almost 20 points due to multiple pulls on my credit every time I try and get business or personal credit or loans. I have dropped to XXXX from XXXX. If this is going to continue to be one of the main finncial instititutions that controls almost all financial aspects of our lives we should be able to ensure accurate reporting and not pay penalties due to their lack of accurate recordkeeping.

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 2025-03-19 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-19 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:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-03-19 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:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Credit card accounts have been removed from my credit report that I did not dispute!!

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
Credit card accounts have been removed from my credit report that I did not dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
PHH Reverse Mortgage servicing company for my deceased father 's RM loan, put the house into foreclosure and monthly are adding " corporate advance '', " release recording fee '' and " outstanding fees & costs '' AFTER we properly and timely notified PHH concerning my fathers death and provided the accurate paperwork regarding requesting and extension and our letter of intent and included appropriate documentation, and sent these on numerous occasions via certified mail. Death Certificate, Letter of Intent, Request for Extension, Probate documents describing heirs and their rightful ownership of said property, sales agreement with realtor, and the listing of the property both on zillow and then with a realtor. PHH refuses to speak with anyone regarding the mortgage other than the initial person that sent all the requirements into PHH even though we provided them with the only document we have pertaining to the estate regards to the property and they state is is not sufficient. We do not have, and nor will we have any other documents pertaining to said prop. from the court. Probate has closed and we have sold the home and close next Wednesday ( 6 days from now ) we have sent all the necessary information to PHH legal dept and they are not communicating and will not provide an accurate payoff statement that is void of these charges which have now climbed to well over {$4700.00}. They continue to add the same charges monthly, dating back from XX/XX/XXXX to XX/XX/XXXX. NO servicing company is permitted to charge a borrower except for XXXX, a service fee not to exceed {$35.00} and interest charges. There is not a valid reason for any of these charges. Taxes and Insurance have always been kept up to date and without any lapse in payments or coverage. We insist these charges be removed. One rep stated they are due to the loan being in foreclosure, however, these charges have been accruing since PHH took over servicing from XXXX. We close in one week and need these, all of these erroneous and unlawful and misappropriated charges removed promptly and an accurate payoff statement reflecting the removed charges needs to be provided to us asap. Furthermore, we do not want any time lapse for the application of the closing funds from the sale of the home and the claim checks from our home owners insurance company that PHH has currently that are to be used as the final payment to close the loan in its entirety. This is extremely unprofessional and very, very stressful to our family and we deserve prompt attention to these matters from PHH and are not making any headway after numerous phone calls, emails and we would greatly appreciate any help that is available. thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation