vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a few issues on my credit report. These inquiries are not mines. please remove them asap.

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 2025-02-05 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: FL

Complaint narrative:
I submitted a complaint with the cfpb and Block , Inc and no action was taken to fix my issues. My account which was hacked in 2022 and fell into the time frame of of the class action lawsuits they are saying that my case is unrelated when In fact I'm accusing Block , Inc of all the same matters from the class action lawsuits. My cases is the same and Block , Inc has negligent let my money be stolen from my account in the amount of 6881 and refuse to refund me. I want to take legal actions against them a sue them again for their unfair practice. In this instance I'm asking that any and all accounts with my social security number be given access to me to recover. As well as in the account with XXXX XXXX I be refunded XXXX. Also I would like someone from the cfpb to contact me for mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Dispute Regarding Improper Investigation of Credit Report Discrepancies I am writing to formally dispute the manner in which my previous disputes regarding inaccurate information on my credit report were investigated. I have noticed that experian and transunion failed to properly investigate the disputed items, and I believe this violates my rights under the Fair Credit Reporting Act ( FCR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Dispute Regarding Improper Investigation of Credit Report Discrepancies I am writing to formally dispute the manner in which my previous disputes regarding inaccurate information on my credit report were investigated. I have noticed that experian and transunion failed to properly investigate the disputed items, and I believe this violates my rights under the Fair Credit Reporting Act ( FCR

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 2025-02-05 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and am submitting this complaint regarding Midland Credit Management for their violations of consumer rights. Notably, Midland Credit Management has engaged in unlawful debt collection practices, similar to those established in cases such as XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXX ( C.D. XXXX. XXXX ), where the company was found to have violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in deceptive practices, and La XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXX ( E.D.N.Y. XXXX ), which highlights their repeated disregard for consumer protections. These precedents further emphasize their pattern of misconduct. 

Upon reviewing my credit report, I discovered that Midland Credit Management has placed an account XXXX related to XXXX XXXXXXXX on my credit report without verification that it belongs to me. I have not received any prior notice or an opportunity to dispute this alleged debt, which is a clear violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This action constitutes harassment, defamation of my character, and a blatant violation of my consumer rights. Furthermore, the unauthorized placement of this account on my credit report has resulted in undue harm to my reputation and financial standing. Midland Credit Management, in their attempt to collect on behalf of XXXX XXXX, has further infringed upon my rights by improperly accessing and sharing my private information. 

Midland Credit Management has violated the following FDCPA provisions : 15 U.S.C

. 1692e : Prohibits false or misleading representations, which Midland Credit Management has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes the improper sharing of my personal information.

I demand that this account be immediately removed from my credit report and returned to the original creditor. The continued reporting and collection of this unverified debt must cease immediately. Additionally, I request a prompt investigation into this matter and expect confirmation of corrective action within 15 days. 

This is not an opportunity to validate this debt. Under federal law, this debt should have been verified prior to its communication with my credit report. Should Midland Credit Management fail to address these issues, I will pursue further legal and regulatory actions to protect my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Thought the months of XX/XX/year> thru XX/XX/year>, my XXXX account with XXXX was issued for another unknown entity to received no authorized ACH payments. Once we realized about these small but continuous transactions, we opened a claim with the bank since XX/XX/XXXX of 2024 and it has been denied now for XXXX consecutive times. Recently at the branch, we reopen the case with a new claim number expecting to get better results, the total amount in dispute is {$110.00} dollars.

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 2025-02-05 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX have been relentlessly contacting me for payment on services I never received. XXXX XXXX XXXX provides aligners and allows for modifications to ensure a proper fit and prevent permanent damage. However, due to their bankruptcy, I was unable to get necessary adjustments or visit their office for fittings. The aligners they provided do not fit, and XXXX has failed to fulfill their contractual obligationsmaking their payment demands unjustified. I refuse to pay for services that were never properly delivered. 

I have since been referred to a collections agency, TekCollect. I refuse to pay for services I never received, and I dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Subject : Formal complaint against Equifax for failure to properly investigate and my complaint and provide proof of hard inquiry disputes as well as failure to correct personal information after proof was provided. 

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my dispute concerning unauthorized hard inquiries and inaccurate address reporting on my credit report. I believe Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate my dispute and provide verification of the inquiries as required by law. I have disputed this issue online, by certified mail and I have called. 
The disputes are XXXX. XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX. XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XX/XX/year>, I submitted a formal dispute to Equifax via certified mail, contesting three hard inquiries that appeared on my credit report without my authorization. Additionally, I disputed an incorrect address listed on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable investigation and provide verifiable proof of the disputed information within 30 days.

Equifax responded by stating that the inquiries had been " verified '' by the companies in question, but they failed to provide any documented proof of my authorization of the inquiries. When I contacted Equifax to request this proof, a supervisor informed me that Equifax does not provide such documentation to consumers. This refusal contradicts FCRA Section 609 ( a ) ( 1 ), which entitles consumers to all information in their file at the time of request, including documentation used to verify disputed items. 
As a result of these unauthorized inquiries, I have been denied credit by XXXX XXXX, citing " too many inquiries '' as the reason for my denial. Although I have a credit score of XXXX with Equifax, this has caused financial harm to me, impacting my ability to obtain credit and damaging my creditworthiness unfairly. 
I request that the CFPB investigate Equifaxs failure to comply with federal regulations, including : Equifaxs failure to provide verifiable proof that I authorized these hard inquiries.

Equifaxs failure to conduct a proper reinvestigation under FCRA Section 611.

Equifaxs refusal to provide the supporting documentation used to " verify '' the disputed inquiries.

The impact of Equifaxs negligence on my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-05 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: MI

Complaint narrative:
My identity was stolen. From filing my taxes for 2023 to applying for car loans and credit cards. The theft created an XXXX XXXX  XXXX and XXXX account that's on my credit plus a slur of inquiries and other accounts that doesn't belong to me. I've attached my FTC report with details.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
They close my account for no reason I would use the services they provided and I had a balance on it never received it and also I had XXXX and to do taxes they said my account didn't exist I called several times and they would never give me answers or they would deny I had an account thank you for your services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Legally a notice a repossessions is suppose to be sent in 3 days after repossessions you noted that the date was sent XX/XX/year>24. The car was repossessed XX/XX/scrub>/24. That was the first violation. The second violation is you are LEGALLY required to send documents of all belongings... I should not have to call anywhere when it suppose to mailed to address on file. The third violation The lender must also send a notice informing you of their intent to sell the vehicle with details about the time and place of the sale, and the amount still owed on the loan. I wasn't sent anything til AFTER you sold the vehicle which was significantly less than market value, which is a lawsuit by itself in Illinois. The car was sold XXXX. And the value on the car is XXXX. I have no intention on ever paying this off. You better off removing from my credit and write it off on your taxes. I paid almost XXXX on this car and you still sold it for almost {$9000.00}. That's well over the cost of the car. You will never get another dime out of me. If you decide to take me to court I will present all facts and I know for fact by law this will be drop and you will be paying me .I will be filing a suit because legally this company has broken many laws including predatory lending which i still never received a copy of the contract after leaving the dealership. I never answered yes to {$3000.00} down payment. I only paid {$500.00} and I showed proof of that. I will be placing law suits against XXXX XXXX and consumer portfolio. This is not the first time consumer portfolio. Has been sued for its lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Credit card transferred information to an agency. 
I never signed a contract with this company of the amount they are trying to collect. Was harassed and threatened even after I told them to stop calling and show me were I signed a contract with them

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 2025-02-05 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NJ

Complaint narrative:
I often get random charges on my cashapp card that can never be rectified nor to i ever speak to a live person

Company response to consumer: Closed with explanation