vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
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 2025-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: SC

Complaint narrative:
NPAS XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Reference : XXXX The above company has attempted to collect {$150.00} debt. The company initially contacted me under the name of XXXX and recently changed to NPAS, however, all contact information has remained the same. Despite XXXX phone calls in XX/XX/XXXX and a mailed letter to the company in XX/XX/XXXX, the collector have failed to provide the proof of debt. The have mailed me a statement from a medical visit, however, the amount owned was nowhere to be listed on the documentation and the statement had an explicit language that it can not be used for billing purposes. 

The company was contacted again in XX/XX/XXXX with a request to seize all debt collection efforts since they were not able to proved a proof of debt. 

However I have received another letter on XX/XX/XXXX attempting to collect the same debt and again, no proof was provided. 

Since the company continues to contact me after being told to stop contact and collection effort, they seems to be in a violation of applicable fair debt collection statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
XXXX XXXX obtained a new debit card for my new account with my bank XX/XX/XXXX - attached the card to CashApp and made 4 transactions. Then removed the card. 
XX/XX/XXXX - checked my bank account and theres 4 pending transaction 1 of which I did not do however it is listed identical to the other transactions. Stating XXXX no different from other transactions. 
The transaction is for {$400.00} with a pending authorization date of XX/XX/year> XXXX XXXX - I reach out to Cashapp which argues that because the transaction does not show in my CashApp transaction history theres nothing they can do to help. 
XX/XX/XXXX- I reach out to my bank. They state that CashApp is a 3rd party merchant they can not cancel the transaction only the merchant can cancel or alter it. If it does not process by the pending date it will just fall off and funds will be returned to my account. 

XX/XX/XXXX- the date on the authorization hold changed to XX/XX/XXXX XX/XX/XXXX- the date on the authorization hold changed to XX/XX/XXXX XXXX XXXX the date on the authorization hold changed to XX/XX/XXXX XXXX XXXX the date on the authorization hold now changed to XX/XX/XXXX XXXX XXXX I reached out to CashApp again explaining they are the merchant please tell me why are you holding this money in my account and CashApp continues to say because they do not see the transaction in my cashapp transaction history there's nothing they can do. 

XXXX XXXX My bank XXXX XXXX explained to me that a merchant is the only one that can control the request of funds to my account. The merchant should have record of their transactions to and from my individual account. The transaction says my CashApp information no different from previous transactions however it not showing on my Cashapp account history should warrant an investigation from CashApp regarding transaction to and from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: OH

Complaint narrative:
On XX/XX/XXXX two withdrawals were made from my checking account using my debit card numbers. One charge was {$19.00} and the other {$1000.00} paid to First Progress Bank. That bank sells prepaid credit cards. 
I did not make that purchase. I believe my card numbers were leaked or stolen on the internet. 
I tried to call, email, First Progress Bank and they hung up on me.. There seems to be no way for them to freeze those stolen funds while my bank works on their end. First Progress seems to be set up for scammers. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-11 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Beginning XXXX of XXXX, Midland Credit Management obtained a wage garnishment order for a debt due to them in the sum of a little over {$XXXX}. When I knew this was established, I obtained a loan from my bank for {$XXXX} to offset the large sums of money due to be drafted from my pay and paid the debt directly to Midland Credit Management around the second week of XX/XX/2024. This left a balance of a little over {$XXXX} which I expected to be drafted on my next pay period. Beginning XX/XX/XXXX of XXXX  my check was garnished for about {$XXXX}. This continued for a total of XXXX pay periods ending pay date XX/XX/2024. I repeatedly reached out to Midland Credit Management to discuss the delay in stopping the garnishment and returning the overpayment in excess of over {$XXXX} after the garnishment finally ended. The first payment minus the about {$XXXX} came to my mailing address in the form of a check. I spoke to a representative who advised me some time in XX/XX/2024 that a second check was mailed to my home address. This check was never received. Following numerous follow up calls I was advised all remaining overpayments were issued to my payroll office. I received XXXX returned overpayments only. I followed up repeatedly to find out where the missing payment was and they continued to tell me they are investigating. After numerous attempts and no follow up I went to XXXX. The response provided resembled a standard draft with edits claiming all payments were returned and that only XXXX garnishments were made. I provided pay stub documents to show each garnishment and the total. I also provided the first check stub and pay stubs showing what was returned. I further advised they contact payroll and review their accounts to confirm. Midland is attempting to fraud me out of over {$XXXX} and it is totally wrong. I simply want my money returned and they seem to be working overtime to get over on me and its not right. This company needs to be investigated beyond this as I can only imagine how many other innocent consumers lost a similar battle at the hands of these shady companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Experian, I have had debt that has been well over 7 years old remain on my account, but the agencies keep renewing the contract without my knowledge nor was I ever notified when these companies ( 3rd party ) consumed my debt from the originating company. 

Transunion, makes it impossible to accsss the information to even file a 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 2025-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-11 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-02-11 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: Westlake Services, LLC
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I found out this information from a realtor trying to selling my mom 's house she told me about a court filing of a lien. I went to the courthouse to get a copy. The courthouse said it was personally served to a man, but it was not me and i can testify to that statement i have filed for identity theft with the FTC the report number is XX/XX/XXXX

NOTICE This process is conducted in accordance with FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ), which mandates the removal of each item identified in your complaint from the credit report within four days of the complaint being submitted to the Consumer Financial Protection Bureau .

1. appropriate proof of the identity of the consumer ; 2. a copy of an identity theft report ; 3. the identification of such information by the consumer ; and 4. a statment by the consumer that the information is not information relating to any transaction by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I am writing to formally dispute the completeness, maximum possible accuracy, and integrity ( XXXX  ) of the information contained in my consumer report that your agency has furnished. In the credit world, XXXX refers to the standard that consumer reporting agencies must upholdensuring that all data reported is XXXX, Meets the highest level of possible Accuracy, and maintains its XXXX as required by federal law. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), inaccurate, unverifiable, or incomplete information must be deleted immediately. TransUnion, as a consumer reporting agency ( CRA ), is strictly liable for ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX / XXXX Upon reviewing my consumer file, I have identified inaccuracies and inconsistencies that fail to meet the legal standards of completeness and accuracy under 15 U.S.C. 1681e ( b ). The law mandates that all information contained within a consumer report must be reported with the " maximum possible accuracy, '' and any deviation from this requirement is a clear violation. Furthermore, under 15 U.S.C. 1681c ( a ), obsolete information or data that does not comply with statutory limitations can not be legally reported.

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc
State: DE

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 Disuted everything threw XXXX XXXX no results theses are not my accounts no proof of teses accounts belonging to me companies are third party no contract with my signture

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 2025-02-11 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: OR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was going to apply for a credit card for my business but they never said, they would run my personal credit report, tried calling and letting them know about the issue but they said they could do anything about it. 
The company is SYNCB/LOWES

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