vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear LVNV, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX XXXX XXXX under Sections 392.301 and 392.305, as well as XXXX XXXX XXXX XXXXXXXX XXXX XXXX which pertains to identity fraud. 

It has come to my attention that LVNV has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX XXXXXXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for LVNV to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that LVNV immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the XXXX XXXX XXXX ( Sections XXXX and XXXX ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX XXXXXXXX XXXX XXXX XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring LVNV into compliance with both federal and XXXX  state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that LVNV will swiftly correct these violations and respect my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had to file a dispute for unauthorized charges on my debit card and it was assigned dispute # XXXX. I was told I will receive a provisional/temporary credit but they still have not provided it to me. The last time I was eligible for temporary/provisional credit, it was posted to my account within 2 days. It has been more than 2 days and I have not received this temporary/provisional credit despite making multiple calls to the company. They refuse to transfer you to the dispute department directly so you have to talk to a regular customer service employee. Given how long it takes Chime to resolve disputes, the least they can do is provide provisional credit immediately and stop ignoring people 's request for provisional/temporary credit. Hopefully external pressure via the CFPB will force this company to do the right thing immediately and follow through on their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
Dispute ID : XXXX The bank is not resolving the dispute. It hasn't even issued the temporary credit. It requested information from me and on its letter it said that I could submit the documents via its online message center but they didn't open the portal for that. They now ask me to mail or fax the documents to 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-02-25 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AMSHER COLL, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that AMSHER COLL has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for AMSHER COLL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that AMSHER COLL immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AMSHER COLL into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that AMSHER COLL will swiftly correct these violations and respect my rights under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
Workmans comp case XXXX through XXXX XXXX and XXXX. Registered workmans comp with XXXX. XXXX, XXXX  XXXX. XXXX XXXX sent ceased and desist to XXXX XXXX XXXX 
Can be verified through XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX City/State/Zip XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX employee ID : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

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 2025-02-25 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I had this credit card account reference number subjected to a forensic audit to assess potential violations of securities laws, and during the review, I discovered that a CUSIP was attached to the account, indicating that it had been securitized. Upon further investigation into your filings with the U.S. Securities and Exchange Commission ( SEC ), I found that your company is prohibited from trading these accounts on the secondary market under Rule 10b-5 of the Securities Exchange Act of 1934, which specifically prohibits the misrepresentation or omission of material facts in connection with the purchase or sale of securities. The presence of this CUSIP attached to my account directly points to an illegal assignment and misrepresentation of the transaction. Not only does this breach your filing and disclosure obligations under the Securities Act of 1933 and Securities Exchange Act of 1934.Additionally, I have an expert witness prepared to testify that this credit card account is unenforceable due to the improper transfer of the account. Therefore, I assert that the actions taken by your company in securitizing and transferring this account, without providing the proper legal documentation or disclosure, not only violate securities laws but also constitute fraudulent conveyance and a breach of fiduciary duty under state contract laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've sent multiple letters to the credit bureaus and XXXX XXXX XXXX about a credit card that was fraudulently opened under my name while I was a XXXX XXXX XXXX XXXX that is STILL on my credit report since I discovered this issue in XXXX. The fraudulent party 's total fraud has amounted to {$15000.00} and has caused significant challenges when buying a car, renting an apartment, etc. 

Per a phone call with XXXX 's fraud department, it was confirmed that my dad fraudulently opened this account in XXXX using my social security to extend credit. Please note my birth year is XXXX meaning not only did XXXX fraudulently extend credit, but also extended this credit to a minor. As noted earlier, I never signed documents nor had knowledge of this activity at the time. I did not authorize this card or have any legitimate way to obtain credit as I was still in high school with no verifiable source of income. 

The credit bureau 's have claimed that XXXX verified all of the information they are reporting as correct when XXXX is well aware of this fraud through multiple complaints and identity theft reports. I have lost some of the records due to loss of files on my XXXX XXXX over the years but I've attached everything I do have.

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 2025-02-25 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: CA

Complaint narrative:
I've sent multiple letters to the credit bureaus and XXXX XXXX XXXX about a credit card that was fraudulently opened under my name while I was a XXXX XXXX XXXX XXXX that is STILL on my credit report since I discovered this issue in XXXX. The fraudulent party 's total fraud has amounted to {$15000.00} and has caused significant challenges when buying a car, renting an apartment, etc. 

Per a phone call with XXXX 's fraud department, it was confirmed that my dad fraudulently opened this account in XXXX using my social security to extend credit. Please note my birth year is XXXX meaning not only did XXXX fraudulently extend credit, but also extended this credit to a minor. As noted earlier, I never signed documents nor had knowledge of this activity at the time. I did not authorize this card or have any legitimate way to obtain credit as I was still in high school with no verifiable source of income. 

The credit bureau 's have claimed that XXXX verified all of the information they are reporting as correct when XXXX is well aware of this fraud through multiple complaints and identity theft reports. I have lost some of the records due to loss of files on my XXXX XXXX over the years but I've attached everything I do have.

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp did not have live agent to resolve my problems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fraudulently transaction made on my account. My phone was stolen. The company or capital one doesn't want to assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
I have already sent a scathing letter to several executives within this company including : XXXX XXXX XXXX + XXXX XXXX + XXXX XXXX I will also continue my search to see who else that is seated on top of Cash Apps corporate ladder to send this issue to. Please read below. Dear Cash XXXX XXXX Customer Service XXXX XXXX : On XX/XX/year> your XXXX app allowed XXXX fraudulent transactions to hit my Cash App account between XXXX XXXX  and XXXX XXXX  XXXX. These transactions were made by someone that is not me, that lives in a state that I do not live in and never have, in stores that I have never even heard of until XXXX  days ago. Needless to say I am shocked and appalled that the app would not even so much as question these fraudulent purchases much less allow them to take almost {$500.00} from me. {$200.00} of which is XXXX XXXX that I would never in a XXXX years even think of using! Whats even worse is I couldnt even start a dispute until these charges were finalized and I have to wait XXXX  days?? I have also researched how your company handles situations such as these extensively and I find your policies to be unsettling. Are you aware that there are hundreds of XXXX threads devoted to your companys lack of response to disputes? As well as your companys lazy policy that does not offer your customers a 100 % money back guarantee or XXXX  liability in the event of fraudulent transactions happening on someones account? I will not allow a barrier to stand between me and justice. I expect a fraud XXXX to be assigned to me immediately and also further investigation into why there arent more safety/fraud protocols in place on your app. I eagerly await your response. Please refer to attached screenshot for the transactions I have referenced in this letter. I have also submitted several disputes and what Cash App does is use AI software that is flawed and denies my disputes stating I authorized it and its a lie! Cash App is allowing someone to commit fraud! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please removed this account from my report, they are hurting my ability obtain credit

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 2025-02-25 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please removed this account from my report, they are hurting my ability obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX activity was performed on my account i disputed the transactions and also requested for a new debit card an on XX/XX/XXXX i called chime support to see if they had any updates on my transactions an the representative was being very rude to me after we got off the phone a few minutes later i got an email saying my account was closing on the XXXX of XXXX and then on the XXXX of XXXX they provided a temporary credit to my account of {$600.00} that was scammed out of my account i called asking how was i going to receive these funds if you guys closed my account for no valid reason and they said they were sending a check i still have not received a check an they are also claiming that no errors occurred on my account which is false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IN

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

Company response to consumer: Closed with non-monetary relief