vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: 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. 


UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NC

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 2025-03-15 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. 


Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I wired {$33000.00} to move into a XXXX XXXX XXXX home and pay a monthly payment of {$3200.00}. I ended my lease in XX/XX/XXXX. I had a year-to-year lease with XXXX XXXX that increased 3.5 % yearly. I informed XXXX XXXX XXXX that I was leaving the property due to the increased rent. We agreed XXXX XXXX XXXX would keep the beginning payment of {$33000.00} and my credit would not be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
The car was repossessed I got the car back but Im in default for another repossession I cant pay the loan at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
Back in XX/XX/year>. I took out a different home owner insurance. The previous company didn't cancel. So in XXXX I payed XXXX. XXXX was XXXX. I contacted SPS servicing. The y said they would issue a check refund, and lower the payment to the correct amount. They didn't. My new payment should be XXXX. XXXX SPS charged me XXXX. I called again. I got the refund check. But now in XXXX they are changing me XXXX. Again! I can't get them to correct the amount. 
Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
After breaking up and eventually divorcing my ex-husband, hed continue to use my personal information to obtain online and phone services as he knew all my personal information and no questions were asked. He stop paying for the service as he could not afford it anymore and know the company XXXX XXXX sold this account to a third party that also put a collection derogatory mark on my credit. I do not leave in that property, I dont have the same phone number reason why there was no way to validate the debt through me. I am currently living in XXXX XXXX  for the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CT

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved issue involving a medical debt that is incorrectly listed on my XXXX credit report. I previously contacted Ability Recovery Services in XXXX regarding this matter and requested the removal of this debt, as it is not mine. Unfortunately, despite my efforts, this issue remains unresolved. 

The specific debt in question is listed under the name Ability Recovery Services.This account was inaccurately reported and is a case of mistaken identity, as I have no knowledge of the medical services in question or any associated debt. 

Relevant Law and Violation : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, medical debts must be removed from a credit report if they are not verified or are determined to be the result of fraud or a reporting error. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from reporting inaccurate or unverifiable information. Given that this medical debt is not mine, and I have already made a formal request for its removal, it is in violation of these laws for it to remain on my credit report. As a result of this unsubstantiated medical debt being reported on my credit, I have been unjustly harmed, as it has affected my credit score and overall financial standing.

I request that you take immediate action to ensure that the inaccurate debt is removed from my XXXX credit report, in accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Additionally, I ask that Ability Recovery Services be required to verify and remove this account from all reporting agencies, and that any future correspondence related to this debt be halted. 

I have attached supporting documentation, including my previous communication with Ability Recovery Services, as well as copies of my credit report reflecting the erroneous debt. 

Please notify me of your progress in resolving this matter within 30 days. If I do not receive a timely response, I will consider pursuing further legal action. 

Thank you for your attention to this matter.

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 2025-03-15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern, I recently received a copy of my credit report and notice some discrepancies posted on my credit report : ALL of these CLOSED accounts are reporting Late Payment. 


XXXX XXXX XXXX closed but still reporting late payments XXXX XXXX XXXXXXXX but still reporting late payments XXXX XXXX- Closed but still reporting late payments XXXX XXXX XXXX- Closed but still reporting late payments XXXX- Closed but still reporting late payments Your company is in clear violation on the law. Under 15 USC 168ib permissible purpose of consumer reports, the law clearly states : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the customer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore the fair credit act 15 USC 168 ( 2 ) ( c ) ( I ), exclusions from the consumer credit act clearly states : ( 2 ) Exclusion- except a provide paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section168is -3 if this title, any ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete all of the above late payments from my credit report, for this agency is in direct violation of act. 15 USC 168i.

Failure to respond satisfactorily with the deletion of the above items, and sent out a free copy of my credit report once the changes are made, will result in legal action against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud. 
3. Fair debt collections practices act 15 UCSC 1692 violations 4. Fair credit reporting act 15 USC 168i violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 168i ] Best regards

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 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
On XX/XX/2025 I tried accessing my Skrill wallet with {$2900.00} as the balance. I received a notification that my account is now restricted and I am unable to make any transactions and was told to contact the company. I reached out to Skrill and haven't heard back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I set up a XXXX account thinking that they were good on customer service and other services also. I got paid and transferred {$170.00} to my XXXX  account from my current account. One day I tried to transfer my money to my XXXX Account to set up a SAVINGS ACCOUNT with them and it declined. So I called XXXX. I waiting to get in connection with them via phone call and when they finally answered I provided all information needed to verify my identity. I asked them why my payment was declined and they said that my account was locked. So I asked why didnt they send me a email or text message stating that they were locking my account or they did lock my account and they couldnt explain that. I provided the information they asked for and everytime I gave what they needed, they ask me for a new piece of information. I just want my funds from out that account now. I dont even want to bank with them anymore, I just want my funds from my account and afterwards Ill close it because I no longer and I mean ever want to deal with them again. I just got out of a situation that I dont want to be in ever again and they almost caused me to be in that situation again because the money I put on there was to pay my probation. Please give me a call so that we could resolve this and I could get my funds off of XXXX. XXXX XXXX. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX my auto pay was debited out of my bank account twice for my Capitol One payment. I called them immediately and told them of the problem. I canceled my auto pay on the app and called a person at Capitol One to set it up. After calling this person is when my account was debited twice. I NEVER made an extra payment. I then went on the app and canceled it again and reset it. I told this all to Capitol One numerous time and stated that I wanted the extra payment back. I was told I would have to file a case and recieve a check within 10 days. That was XXXX weeks ago. 
On XXXX I received a letter from Capitol One stating that they had issued a check for the extra XXXX dollars to me. Today is the XXXX and I still have yet to recieve this check. I've called numerous times and have gotten nothing but a run around from Capital One. They have no problem taking my payment out of my bank account every month. So I don't understand why they can not put this over payment back in my account the same way, especially when it's right in front of them on their system. If I'm XXXX day late making my payment to them, they're contacting the credit bureau and trying to mess up my credit standing. It just seems to me that they can do anything they want to do and take their sweet time when it comes to someone's finances. Im tired of waiting for my money from capital One and I want it now. I should not have to go through all this XXXX when they are the ones who caused it. They need to hire a more competent staff. I'm on a fixed income and should never have to go through this. I've never missed a payment with them for years and have never ever made a double payment. They should be able to see all of that. It's obvious they don't care about their customers unless they're making money from them. I want my money from them. They need to fix this so it doesn't happen to anyone else, but I'm sure it already has. Everything I explained is the truth. I'm sure they'll twist it anyway they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: 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. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
my cash app account got hacked on XX/XX/year> and money got taken out of my account, {$300.00} on the XXXX and {$600.00} on the XXXX, {$900.00} total. I called up cash app and told them my account got hacked and I didn't make the payments and they sent through a dispute for me. A week later I called them up asking to see what happened and they told me they can not refund my money from the scam. They didn't give me any reasons as to why not and just told me to go through my bank. So I contacted XXXX XXXX XXXX which is my bank, and I told them the situation an they told me I have to go through cash app to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, Your name 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