vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections accounts. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Accounts in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an accident steel tube neck injury lost all my power to act they never call me to check identity they stole my money and everything chase told me they cant help me and closed my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
I have received a call from the First Collection agency for an amount of {$550.00}, I did asked the representative who send me the details who issued the bill. The agent couldn't share that information and I do not recollect which hospital sent this bill. By the time I found the details and asked XXXX XXXX XXXX XXXX, they mention its not correct bill and issued a new adjusted bill. First Collection Agency already reported to the credit bureaus which impacted my history drastically. 

I immediately made the payment on the adjusted bill, have they did this earlier I could have made the payment of {$310.00} with the hospital itself. Also this bill wouldn't reported to credit bureaus as the rule says any amount under {$500.00} will not be reported to the bureaus. 

This mistake by the creditor did the damage to my credit history, I have 100 % payment history in 10 years of credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against CashApp for the unlawful closure of my account, banning me from using their services, and mishandling my personal data. CashApp has failed to provide clear proof or a valid explanation of how I allegedly violated their terms of service, and their arbitrary actions constitute unfair business practices, potentially in violation of consumer protection laws. When I exercised my rights under privacy laws such as the California Consumer Privacy Act ( CCPA ) and XXXX XXXX XXXX XXXX ( GDPR ) by requesting the deletion of my personal data, CashApp falsely claimed they had fulfilled my request without providing verifiable proof, demonstrating clear non-compliance with data protection laws. Additionally, when I attempted to escalate my concerns, a representative misled me by claiming my complaint was resolved, refusing to address my grievances or provide any further assistancebehavior that maXXXX violate laws prohibiting deceptive practices. I demand the immediate reopening of my account, a detailed explanation supported by clear evidence of any alleged violations, verifiable confirmation of the deletion of my data as requested, and assurances that CashApp will address its lack of transparency and compliance with legal obligations. These actions have caused financial harm and eroded trust, and I expect a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the unfair closure of my Zelle account and improper handling of payment disputes. As a service provider, I rely on Zelle for payments. Recently, a customer paid me for services and later fraudulently disputed the payment as unauthorized. Despite Zelle transactions being advertised as final and irreversible under their terms, my account was closed without proper investigation. 

This violates the principles of fairness and transparency and may contradict laws like the Uniform Commercial Code ( UCC ), which treats electronic funds transfers as final unless fraud by the sender is proven. The dispute process has been abused in this case, causing me financial harm and preventing me from conducting business.

I request the CFPB investigate this matter and direct Zelle ( or my bank ) to : Reopen my Zelle account.

Reinstate the disputed payment.

Strengthen safeguards against the misuse of Zelles dispute process. 
I have attached supporting documentation, including transaction records and communications. I look forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my file. According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : 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 explanation
Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my file. According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: NJ

Complaint narrative:
I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my file. According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing this in response to your letter because I do not believe I owe what you say I owe. 

This is the first time Ive heard from you, or any other company on this matter therefore, in accordance with Section 809- Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me with, in writing the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgement Show me that you are licensed in my state, and provide your license number Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that ; You can not add interest or fees except allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either into cease you collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgement without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXXXXXX XXXX XXXX. 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 

If you do NOT own the rights to collect this debt I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 

Finally, in accordance with section 805 ( c ) Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminate or you are taking specific actions allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: TX

Complaint narrative:
I joined Level 1 Law to help me resolve my outstanding debt. I paid them through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of each month. I started payments in XX/XX/XXXX. I was told just send in all correspondence I get from my creditors. I did that. Followed up with them several times in XXXX and their response is everything is in process. In XXXX I spoken to someone at XXXX XXXX and they had gotten word Level 1 Law was getting sued. Since then, I stopped paying my money. In XXXX then a letter to follow up in the mail in XXXX. The correspondence told me they have not done anything with my account until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} was frozen in my checking account leaving me without any money. I am having trouble getting any responses, most to say they do not know anything.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-31 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: OK

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-31 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 am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Goldman Sachs bank is refusing to update my XXXX report after paying their requested amount to close the account. 

Theyre still reporting this as a derogatory account which is a direct violation of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MD

Complaint narrative:
This account was charged off on the following date XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2024-12-31 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: MD

Complaint narrative:
This account was charged off on the following date ( XXXXXXXX XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with explanation