vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: CA

Complaint narrative:
This debt was settled by XXXX XXXX in XXXXXXXX XXXX on XX/XX/XXXX between Stenger and Stenger Debt Collection in XXXX and my attorney XXXX XXXX. After I moved to XXXX in XXXX the debt collection was turned over to XXXX. The XXXX XXXX states I would pay {$1000.00} total to settle this account. I'm sure I have paid more than that. I have been dealing with XXXX for the past 3 years trying to get them to abide by the XXXX XXXX. I finally received a letter from them dated XX/XX/XXXX stating they would accept a total payment for {$370.00}, they laid out the payment plan which stated the last payment would be XX/XX/XXXX. I'm still getting automatic debits from my account. I sent them a detailed letter via USPS Priority Mail ( I do have signature confirmation they received it ) last XX/XX/XXXX asking for an accounting of what I have paid and if I had satisfied the {$370.00}. I never heard from them. I want them to abide by the XXXX XXXX and stop taking payments from my checking account. And release me from any and all liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Last week I logged in to my venmo account which I had not logged into since XX/XX/XXXX. When I did all my funds were gone and then I wanted to check each transaction in detail everything was blank, even the email notification of each transaction which would lead me directly to the funds on venmo was blank, i would click to access the transaction done by my client and it was blank. since XXXX when I opened my venmo account Ive had done several transactions, up until this date I had {$800.00} that were arbitrarily withdrawn by venmo to New York for no justifiable reason. I am in urgent need of this hard earned money since I am struggling to make a living especially with my hospital bills, food, and housing. All of this is very damaging and painful because of my desperate situation and venmo must be responsible for this no matter what and as soon as possible! especially coming from a loyal customer like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXXcount Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : TRUIST Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX, {$1500.00}, Reported to XXXX on my credit report from this company LVNV FUNDING LLC I am not liable for this debt and I do not have a contract with : Company : LVNV FUNDING LLC Address : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a DISCOVER BANK Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within XXXX business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS

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 2025-02-23 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts on all 3 credit bureaus that I didnt authorize or give anyone permission to open these accounts!!!

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 2025-02-24 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT INC, XXXX XXXX Have furnished debt that has been closed without my consent and are calling 3 times a day, sending letters and reporting on my credit reporting as open account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PORTFOLIO RECOVERY Have furnished debt that has been closed without my consent and are calling XXXX  times a day, sending letters and reporting on my credit reporting as open account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Subject : Request for Removal of Accounts Included in Bankruptcy from Credit Report To Whom It May Concern I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in 2018 and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines.

The following accounts were discharged through the bankruptcy process : XXXX XXXX XXXX  XXXX Bank - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX  - XXXX XXXX Department of Education ) - American Express ( XXXX XXXX XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these XXXX accounts, as I am prepared to pursue legal action if necessary. 

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX  account # XXXX {$1800.00} is reporting a balance on a charged-off account which is not in compliance with IRS REGULATIONS and FCRA Laws and this is a direct violation of my consumer rights and potential Tax fraud. 

They did not issue a XXXX on this account after writing it off to the IRS.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX  account # XXXX {$1800.00} is reporting a balance on a charged-off account which is not in compliance with IRS REGULATIONS and FCRA Laws and this is a direct violation of my consumer rights and potential Tax fraud. 

They did not issue a XXXX on this account after writing it off to the IRS.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account that appears on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the removal of this account if it can not be verified as 100 % accurate and compliant with federal consumer laws. 

The account in question is as follows : Creditor/Collection Agency Name : Security Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA ( 15 U.S.C. 1681 ), all information reported to credit bureaus must be completely accurate, verifiable, and fair. If the furnisher of this information can not provide documented proof that this debt is valid, belongs to me, and was reported in strict compliance with all relevant laws, then it must be permanently deleted from my credit report. 

Furthermore, I request that you provide : 1. Evidence that this debt is legally enforceable, including the original signed contract.

2. Proof that the entity reporting this debt has the legal right to collect it.

3. Documentation showing that this account has been reported with complete accuracy.

If you are unable to provide the requested documentation within the 30-day investigation period, you are legally required to delete this account from my credit profile under FCRA guidelines . 

Please send me written confirmation of the results of your investigation. If this account is not removed, I demand a detailed explanation and all supporting documents used to verify its. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX of 2024, some one had convinced me that they where from a loan company that was collecting a debt so they hacked my bank account and my cash app account for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
I just looked at my consumer report and noticed 3 separate fraudulent accounts and 9 separate fraudulent inquiries appearing on my consumer FICO credit report which are not related to any transactions made by me the consumer ; which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXXXXXX XXXX opened on XX/XX/XXXX, under the account number ( XXXX ), a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of ( {$1400.00} ). The inquiries are XXXXXXXX XXXX XXXXXXXX open on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX ; XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have been reported without my expressed, written consent. therefore is a result of identity theft and must be removed. Please Investigate and provide proof that I authorized the reporting of this information to my consumer report. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-23 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: NC

Complaint narrative:
I am filing this complaint regarding an innacurate item on my credit report that continues to negatively impact m credit. despite my efforts to resolve this directly with the report agency, it remains unresolved.I request inmediate investigation and removal of this items as it is incorrect and does not reflect my true credit history XXXX {$8800.00} XXXX {$2700.00} XX/XX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX {$6600.00} XXXX {$270.00} XXXXXX/XX/XXXX{$2400.00}XX/XX/XXXX {$1800.00}

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 2025-02-23 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: NC

Complaint narrative:
I am filing this complaint regarding an innacurate item on my credit report that continues to negatively impact m credit. despite my efforts to resolve this directly with the report agency, it remains unresolved.I request inmediate investigation and removal of this items as it is incorrect and does not reflect my true credit history XXXX {$8800.00} XXXX {$2700.00} XX/XX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX {$6600.00} XXXX {$270.00} XXXXXX/XX/XXXX{$2400.00}XX/XX/XXXX {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I filed an online complaint on XX/XX/year> and on XX/XX/year> concerning the Truth In Lending Act ( TILA ) for the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One , National Association with the " Federal Reserve Consumer Help '' ( FRCH ) at www.FederalReserveConsumerHelp.gov concerning organizations that are subject to oversight by federal agencies that enforce consumer protection laws and regulations. The nature of the complaint concerned overstated/understated APR/Finance Charges in violation of the TILA. 

I received an email response on XX/XX/year> from FRCH that combined my separate complaints. What was even more concerning was that the acknowledgement email came from " XXXX '', which is not a .gov email address and I did further research to find out that this is a group at the XXXX XXXX  Federal Reserve Bank . The email reply did not forward my complaint to the appropriate federal financial regulator : the Board of Governors of Federal Reserve System ( FRB ) ; Office of Comptroller Currency ( OCC ) ; or Federal Deposit Insurance Corporation ( FDIC ). Instead, I was referred to this alleged federal agency, the Consumer Financial Protection Bureau ( CFPB ) which is in error, because it does not exist according to 12 U.S.C. section 5491 ( a ), which established the Bureau of Consumer Financial Protection, not the Consumer Financial Protection Bureau. This discrepancy suggests a violation of federal law and my civil rights.

Furthermore, the FRCH referred me to the Federal Trade Commission ( FTC ), despite their stated inability to resolve individual consumer complaints. I was also advised to contact my state attorney general, which is an unnecessary detour given that my complaint should have been forwarded to a federal financial regulator under existing legal obligations. Please ensure that my complaint that I sent to the FRCH gets to the appropriate federal financial regulator instead of to a color of law entity ( CFPB ) that is in violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts on all 3 credit bureaus that I didnt authorize or give anyone permission to open these accounts!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I am a victim of identity theft. There are several accounts on all 3 credit bureaus that I didnt authorize or give anyone permission to open these accounts!!!

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 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Dear CCS COLLECTION Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per XXXX XXXX XXXX XXXX XXXX XXXX  ), if no evidence is provided, I will assume no debt exists. 
I demand the immediate removal of this account from my credit report. Any further attempts to collect or report this alleged debt will be seen as harassment, negatively impacting my health. Cease all communication with me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief