vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
Experian is listing 4 hard inquiries on my report when it should be 2. According to their own policy ( see attached ) multiple hard inquiries that are made within 2 weeks for installment loans such mortgages or auto loans are treated as " singular events ''. I have 2 occurrences over the last 2 years where I visited a car dealership to purchase a car and multiple hard inquiries were posted to my credit report each time even though they were on the same day with the same location identification number. Over the phone, Experian offered no resolution besides suggesting calling the vendor which was unsuccessful. I filed a complaint on Experian 's website and even sent them a copy of their own policy which supports my complaint. 

Occurrence XXXX XXXX Address identification XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Occurrence XXXX XXXX Address identification number XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX identification number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX XXXX number:XXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: LA

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collections listing your agency. I have never been notified of this collection action or that I owed this debt. 

This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please send me the following documents Signed agreement that you have authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 

I hope your legal staff will agree that a noncompliance with this request will result in serious legal trouble for your company. 

Please note that a payment history is not considered a contractual agreement.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: KY

Complaint narrative:
Im incurring about cash app closing my account on XXXX different accounts and XXXX was of a third party scam which I gotten conned out of a lot of money. 
I could not contact them to dispute matters and when I tired to I didnt receive a response and then my acccounts ended up closed. 
Please help me with this class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Someone I used to live with I believe gave my information to their significant other to obtain credit cards in my name

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 2025-01-31 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems LLC is reporting false unverified information to the credit bureau. This debt does not belong to me as I have no dealings with XXXX. This is causing stress for me and my family. I will seek help from a credit protection lawyer to seek damages against XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: RI

Complaint narrative:
Email Address XXXX is not mine and fraudulent.

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 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
Amsher Collection Service Amount : XXXX I am writing to follow up on my original Debt Validation Request letter sent on XX/XX/year>, regarding the alleged debt associated with this account. As of today, I have not received a response from your company, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Under the FDCPA, you are required to provide verification of the debt within 30 days of receiving my initial request. Since you have not done so, I consider the debt to be invalid, and I request that you cease all collection activity on this account immediately an deleted from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I checked my credit report and noticed a creditor whom I am not familiar. Experian has placed a creditor on my credit report without my permission. Please remove and give me detail on how Experian investigated this item and LEGALLY ALLOWED THIS CREDITOR TO BE PLACED ON MY CREDIT REPORT AND LOWER MY SCORE AND CAUSE HARM TO MY CREDIT REPORT. 

The agency name is XXXX XXXX XXXX. I have NEVER heard of the company. The date assigned XX/XX/2024 There is no account number XXXX  Please see attachment Amount {$210.00}

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Kohls charge account for the past 7 or so years. Out of nowhere, I began receiving email from Capital One stating that my account was past due, unpaid, and also being reported to the credit bureaus. I had no knowledge of any Capital One account, card, or anything having not received a card, statement, nor not even having signed up for a Capital One account. When calling into Kohls customer service, I was advised that I had a XXXX balance on my Kohls account. Reportedly, these companies merged sometime last XXXX. I called into Capital One credit services and requested a card, a statement, or any information regarding this account. They have denied me any access to this. I am currently being charged interest, late fees, having my credit affected regarding this " account '' to which I have no access, knowledge nor have agreed to any terms and conditions for using. I have reported this to the credit bureaus but still can not procure any information as to the inception of this account, or any means to rectify the balance, even though Kohls has stated I did not owe them any money. I did not agree to a Capital one card at any point in the last 24 months, nor do I even have a card in physical possession to use, or any statement to confirm these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX I received a check from the CFPB for a settlement for XXXX XXXX. I deposited the check mobile deposit into my Truist Bank account. The check was had a released date of XX/XX/year>. On XX/XX/XXXX the funds were available in my account. I went to use my debit card, and my transaction did not go through. I contacted Truist Bank, I was informed that my account was blocked and pending closure due to the check. I called numerous times ; I've been told the account was still under investigation. On XX/XX/year>, I was told by a supervisor at the Bank to provide a letter from the check issuer that it was from a settlement, and they would release the funds. I provided the letter that day and still do not have the funds. I contacted the Bank again today on XXXX XXXX I am now being told the account is closed and the only way to retrieve the check I deposited into their bank is for the Check issuer to file a claim with the bank to get the money bank. The bank will not release a check that was paid to me and closed my account due to the check!

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 2025-01-31 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I was on deferment with Lincoln Automotive. A payment was processed today XX/XX/year> and yet Lincoln reported me as being delinquent! This is unfair and decepetive practices! I The report date for any company is the last day of the month!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Security Credit Services, has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. The said amount owed is {$970.00}. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Follow-up Reference to # XXXX I am writing to formally ask for validation and lawful consideration regarding an alleged loan agreement between myself and USAA XXXX  XXXX Under 15 U.S.C. 1601, the Truth in Lending Act ( TILA ) mandates full disclosure of all material terms in a lending agreement. Additionally, 15 U.S.C. 1692 requires that any alleged debt be validated with lawful documentation proving the legitimacy of the transaction.

Furthermore, under 15 U.S.C. 44, banks are recognized as corporations operating for profit, not as individual lenders. As a financial entity, your institution is required to adhere to the Uniform Commercial Code ( UCC 3-419 ), which governs the conversion of financial instruments. It is my understanding that my promissory note or loan application was monetized, securitized, or otherwise converted into a financial asset without full disclosure, thereby creating value from my signature. 

Given these legal principles, I request the following documentation to verify the legitimacy of the alleged loan : Proof of Consideration : A full accounting ledger showing that the bank used its own assets to issue a loan rather than creating credit based on my signature. 
XXXX XXXX Promissory Note and an affidavit verifying the banks lawful exchange of funds. 
Verification That the Loan Was Not Securitized or Sold in a secondary market without my knowledge or consent. 
Proof of Financial Loss to the Bank in issuing the alleged loan. 

If you can not provide verifiable proof that a lawful loan was issued in compliance with federal law, I demand that the alleged obligation be discharged immediately. Any attempt to continue collection efforts without validation may constitute fraud and a violation of federal statutes. 

Please respond within XXXX  days of receipt of this letter. Failure to provide the requested documentation will be taken as an admission that no lawful loan was issued, and I will consider this matter resolved in my favor.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent several letters to the company listed. Letting them know that this account is the result in unauthorized access of my personal information. As a results this account was created without my authorization. The account has also, been sold to another company without my consent or prior knowledge. I have no knowledge of this company. They dont have anything with my signature and the address and name listed on the contract is incorrect. 

Account Information Address C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$550.00} Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$550.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$550.00} Pay Status >Collection<

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I filed a dispute. They frozen my account for my protection with a response to contact support for help. When contacting support nobody could help me. My dispute was settled and approved. My Account still frozen to contact support with help to u freeze it. Still repeated attempts nobody knows anything but wait for an email. No email has ever came. I requested my account be closed immediatly and my funds transfered to the linked external account. Only to be told I can not close it its under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OK

Complaint narrative:
I have recently discovered that Experian has inappropriately accessed, disclosed, or failed to safeguard my credit information without my consent in a recent data breach. This is a direct violation of my rights under 15 U.S.C. 1681b, which limits access to consumer credit reports to entities with a permissible purpose. Unauthorized access to my credit information is a serious breach of my privacy rights and places me at risk for identity theft, financial harm, and unwarranted XXXX-party scrutiny. 

Additionally, the Federal Trade Commission ( FTC ) enforces FCRA provisions that require credit reporting agencies to implement reasonable procedures to protect consumer information from unauthorized access and disclosure. Experian 's failure to uphold these standards constitutes a clear violation of federal law.

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