vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft, and this is my official statement : someone has used my personal information fraudulently : 1. XXXX XXXX : Acct # XXXX, date opened : XX/XX/XXXX. balance : {$910.00} 2. Portfolio Recovery Associates : Acct ending # XXXX date : XX/XX/XXXX balance : {$1000.00} 3. Portfolio Recovery Associates : Acct ending # XXXX date : XX/XX/XXXX balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was notified by Bank of America of possible fraudulent charges on XX/XX/XXXX for which I responded that I did not authorize or know about these charges. There were a few attempted charges, but only one was processed and appeared on my statement in the amount of {$280.00}. This was a charge from an amusement park in XXXX California on XX/XX/2024. This was a Monday. I was at home and work in XXXX California that day. I initiated a fraud claim to dispute the accepted charge from BofA and immediately canceled my card and requested a new one. They initially refunding the amount as a temporary refund, but came back with the receipt from the amusement park of the stated charges. BofA notified me of several attempted charges from the same place that day ( XX/XX/XXXX ) and they declined all of them, yet find that I am responsible for this charge. As of XX/XX/2024 I was notified that the charge is being reinstated by stating " The merchant provided documentation confirming you received the merchandise or service. ''

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 2024-11-30 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 a victim of a data breach and identity theft, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit report.

Fraudulent Accounts 1. XXXX XXXX  - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX XXXX - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 3. XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} 4. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} 5. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 6. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$700.00} 7. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 8. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Unauthorized Inquiries 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 a victim of a data breach and identity theft, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit report.

Fraudulent Accounts 1. XXXX  XXXX Bankruptcy - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 2. Chapter XXXX Bankruptcy - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 3. XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} 4. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} 5. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 6. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$700.00} 7. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 8. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Unauthorized Inquiries 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX - XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX - 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 2024-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fi Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam Ima writing to formally complain about well Fargo XXXX XXXX XXXX XXXX XXXX XXXX refusal to grant me access to my safe deposit box since XXXXXXXX XXXX.Despite having paid the rental fee for that year, with the next payment due on XXXX XXXX, I have been dined access without any explanation. 
This matter is urgent importance as I have become homeless and need to retrieve my fathers will from the safe deposit box. My father passed away on XXXX XXXX, and contains crucial instructions regarding his burial. 
I have attempted to resolve this issue directly with well Fargo, but my efforts have been unsuccessful. Am requesting your assistance to ensure that I gain access to my safe deposit box immediately. 
Sincerely, 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 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company Midland who has a boatload of complaints against them plastered ALL OVER THE INTERNET is trying to tell me I owe THEM a debt. I do not owe them a single cent. They bought this debt from a pool ( admitted in their own letter they are a debt PURCHASER ) and are trying to make pennies on the dollar on something that was CHARGED OFF BY THE ORIGINAL CREDITOR. 

Case # : XXXX XXXX # : XXXX Original Creditor : XXXX XXXX Original Account # : XXXX Amount : {$1300.00} I REFUSE TO PAY THIS DEBT. A COPY OF A XXXX XXXX XXXX STATEMENT IS ***NOT*** A VALIDATION OF DEBT. NO BILL OF SALE WAS PROVIDED CERTIFYING ANY VALUE OF THIS ALLEGED DEBT THEY ARE TRYING TO PROFIT FROM OFF OF ME LIKE HUNDREDS OF THOUSANDS OF OTHER PEOPLE. 

CEASE AND DESIST AND DELETE THIS FROM ALL XXXX CREDIT REPORTING AGENCIES IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN FURTHER CEMENTING WHAT IS ALREADY ON THE INTERNET OF WHAT A FRAUD YOUR COMPANY IS. THAT IS A PROMISE. 

Examples of what a " reputable company '', per your letter, are : https : XXXX XXXX v. Midland Credit Management , Inc. , No. 19-2993 ( 7th Cir. 2022 ) TCPA class action settlement - {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX Midland Credit Management, and XXXX XXXX XXXX XXXX for running afoul of debt collection laws. The companies agreed to pay a combined {$79.00} XXXX for violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. That same year, the company was sued by XXXX states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. XXXX paid a {$6.00} XXXX settlement to resolve that lawsuit. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX of XXXX  that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation of Unauthorized Withdrawals Dear Consumer Financial Protection Bureau ( CFPB ) I hope this message finds you well. I am writing to request your assistance regarding unauthorized withdrawals from my Chase Bank checking account into XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I discovered that, since XXXX, a monthly automatic withdrawal of {$29.00} has been made from my Chase Bank account to XXXX XXXX XXXX XXXX ( XXXX ). However, I have never held any insurance policy or account with XXXX. 
After contacting XXXX customer service team On XX/XX/XXXX, I was informed that there is no record of me as a customer. Their representative requested a complete history of these withdrawals to facilitate further investigation. I have the history which Chase gave me. I mailed the history to XXXX on XXXX. 
I have also reported this matter to Chase Bank and am awaiting their further action. I hope that I am fully reimbursed for the unauthorized transactions from XXXX or Chase Bank. In addition, I want XXXX or Chase Bank to stop the automatic withdrawals right now. 
I kindly request that any further automatic withdrawals of {$29.00} be stopped immediately to prevent additional unauthorized deductions. I have already requested Chase Bank to stop the automatic withdrawals, but they informed me that I would need to pay a certain fee for this service. Additionally, even if they attempt to stop the withdrawals, they can not guarantee 100 % success. Chase Bank advised me that I must request directly from XXXX XXXX XXXX XXXX to ensure the withdrawals are fully stopped. 
The most important thing is that there is a high possibility that the same thing as my experience can have been happening to many bank customers. So, I wish you ( CFPB ) would investigate this unauthorized withdrawals. 
Thank you for your time and assistance. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Chase Bank XXXX XXXX : XXXX FAX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for their continued failure to investigate and remove fraudulent accounts and outdated personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and submission of the required documentation, Equifax has failed to take appropriate action, claiming that they have not received the necessary evidencea blatant falsehood. 

The fraudulent accounts on my credit report are the result of identity theft stemming from the Equifax data breach, which exposed my personal information to criminals. I have already submitted updated identification and documentation to Equifax multiple times, yet these inaccuracies remain unresolved. The fraudulent accounts that Equifax continues to report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the fraudulent accounts, Equifax has failed to remove outdated and fraudulent addresses tied to these accounts, including : XXXX XXXX XXXX XXXX, 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 XXXXXXXX These addresses are not associated with me, and I have provided proof of identity theft and the data breach as well as updated identification. XXXX continued inaction perpetuates inaccuracies on my credit report, harming my creditworthiness and financial stability. 

Equifax has claimed on multiple occasions that they did not receive my documentation, despite my providing clear and verifiable evidence. This is not only a failure of compliance but also an attempt to obstruct the resolution of my disputes. Such behavior directly violates the FCRA, which mandates that credit reporting agencies : Conduct reasonable and thorough investigations of disputes within XXXX  days. 
Remove inaccurate, unverifiable, or fraudulent information promptly. 
Provide transparency and clear documentation of their investigative process. 
By failing to act, Equifax has demonstrated negligence and disregard for federal law. Their inaction has caused ongoing harm, including financial loss, emotional distress, and damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for their continued failure to investigate and remove fraudulent accounts and outdated personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and submission of the required documentation, Equifax has failed to take appropriate action, claiming that they have not received the necessary evidencea blatant falsehood. 

The fraudulent accounts on my credit report are the result of identity theft stemming from the Equifax data breach, which exposed my personal information to criminals. I have already submitted updated identification and documentation to Equifax multiple times, yet these inaccuracies remain unresolved. The fraudulent accounts that Equifax continues to report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In addition to the fraudulent accounts, Equifax has failed to remove outdated and fraudulent addresses tied to these accounts, including : 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 These addresses are not associated with me, and I have provided proof of identity theft and the data breach as well as updated identification. Equifaxs continued inaction perpetuates inaccuracies on my credit report, harming my creditworthiness and financial stability. 

Equifax has claimed on multiple occasions that they did not receive my documentation, despite my providing clear and verifiable evidence. This is not only a failure of compliance but also an attempt to obstruct the resolution of my disputes. Such behavior directly violates the FCRA, which mandates that credit reporting agencies : Conduct reasonable and thorough investigations of disputes within XXXX  days. 
Remove inaccurate, unverifiable, or fraudulent information promptly. 
Provide transparency and clear documentation of their investigative process. 
By failing to act, Equifax has demonstrated negligence and disregard for federal law. Their inaction has caused ongoing harm, including financial loss, emotional distress, and damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was hacked. I was withdrawn XXXX amounts XXXX and XXXX from my cash app connected checking account without my permission. I contacted cash app immediately and my bank as well because my checking account was wiped out of all my money throwing me into an overdraft status with payments I had already scheduled to be coming in. The disputes with cash app have been denied XXXX  times on each. I have shown screen shot of XXXX email contacting me to confirm if my email password was to be changed which was not me and I declined the change. I have also changed my password to email, bank, cash app. I am worried that my identity has been stolen as even my recover email on my main XXXX email was different from the one I have always had. I also have that screenshot and have seen changed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute the inaccurate reporting of a late payment on my credit report. The account in question, under the name XXXX XXXX, is erroneously listed as having a late payment for XXXX. This is incorrect, as the payment was made on time and in accordance with the accounts terms. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of consumer reporting agencies to ensure that all information reported is accurate and complete. The reporting of a late payment on this account is neither. This account has never been late, and the record must reflect that fact. 

I have enclosed a copy of my credit report highlighting the disputed item. I demand that you investigate this matter thoroughly, correct this inaccuracy, and delete the erroneous late payment from my record without delay. 

Please provide written confirmation of the results of your investigation and any corrective action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
I am writing as a victim of identity theft and a related data breach. The accounts and inquiries listed below are fraudulent and were opened or initiated without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts 1. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} 2. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 1. XXXX  XXXX - Date : XX/XX/XXXX 2. XXXX - Date : XX/XX/XXXX 3. XXXX XXXX  - Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX 5. XXXX  - Date : XX/XX/XXXX 6. XXXX XXXX - Date : XX/XX/XXXX 7. XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
I am writing as a victim of identity theft and a related data breach. The accounts and inquiries listed below are fraudulent and were opened or initiated without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently deleted from my credit file.

Fraudulent Accounts 1. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} 2. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 1. XXXX XXXXXXXX - Date : XX/XX/XXXX 2. XXXX - Date : XX/XX/XXXX 3. XXXX XXXX - Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX 5. XXXX  - Date : XX/XX/XXXX 6. XXXX  XXXX  - Date : XX/XX/XXXX 7. XXXX - Date : 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 2024-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing as a victim of identity theft and a related data breach. The accounts and inquiries listed below are fraudulent and were opened or initiated without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently deleted from my credit file.

Fraudulent Accounts 1. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} 2. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 1. XXXX  XXXX - Date : XX/XX/XXXX 2. XXXX  - Date : XX/XX/XXXX 3. XXXX  XXXX  - Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX 5. XXXX - Date : XX/XX/XXXX 6. XXXX  XXXX  - Date : XX/XX/XXXX 7. XXXX  - Date : 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 non-monetary relief