vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management is reporting this as an open debt on my account which is a violation of code:15 USC Code 16815-2 and I also disputed it since it was opened fraudulently and let them know that I had no police report for it since it had been done by my ex, who was a police officer at the time and basically had me convinced that no one would care or open a report for it since he was an officer at my local police department. I was young and naive still when this happened, so stupidly I believed him and never reported it thinking no one would do anything anyways and I have no way of even contacting him or getting contact information for him now and have since moved out of state too and they refuse to close it out or even report it as closed which isn't fair when I already have an auto loan to pay off, student loan debt to pay off, and I am XXXX snd can't work anyways and have a XXXX XXXX son to take care of and multiple XXXX XXXX myself which make it to where I don't even want to eat or drink anything at all multiple days in a row at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: PA

Complaint narrative:
1. I.C. Systems, Inc. 
Account Number : XXXX Amount : XXXX XX/XX/XXXX I contacted them on XX/XX/XXXX. 

This company is violating my rights by failing to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet they have recorded a collection on my consumer report. I have made previous attempts to resolve this issue directly with them, but they continue to violate my rights. 

I am entitled to {$1000.00} for each violation listed above. They must either pay me the amount owed or delete these accounts from my record.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I got scammed out of {$1600.00} today and I called my bank chime to get it reversed as fraud and they told me basically its nothing they can do. This is not acceptable! If my bank cant protect me then why am I a member. My tax return hit for XXXX XXXX a single mom of two in a new state with no family and friends escaping a domestic violence relationship. Needed a car for me and my children. I thought the company XXXX XXXX XXXX  was legit but they was hacked and someone is pretending to be them and make fake car sales and I was a victim. They even go as far as creating a fake tracking number and website. Im not settling for them telling me theres nothing they can do when these two people that received the transactions from me have an account with chime! I need my money back asap. Chime even had the audacity to tell me to request the money back asap if a scammer will do such a thing! Im LIVID.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
As a victim of identity theft my personal information was compromised in a data breach which has led to this fraudulent activities. Under the FCRA I request the immediate removal of these unauthorized inquiries. As they were made without my consent or knowledge. 
XXXX. XXXX XXXX/equifa. Date : XXXX XXXX. XXXX. Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXX bXXXX 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 2025-03-01 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: NJ

Complaint narrative:
As a victim of identity theft my personal information was compromised in a data breach which has led to this fraudulent activities. Under the FCRA I request the immediate removal of these unauthorized inquiries. As they were made without my consent or knowledge. 
XXXX. XXXX XXXX/equifa. Date : XXXX XXXX. XXXX. Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXX bXXXX 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 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Transworld Systems for Inaccurate Debt Reporting Dear CFPB Representative, I am filing a formal complaint against **Transworld Systems** , a debt collection agency, for inaccurately reporting a ** {$910.00} collection account** from XXXX XXXX on my credit report. The account number is XXXX. 
# # # Nature of the Complaint : - **I never resided at the address linked to this debt. ** My name is not on any lease associated with that address. 
- **I never received any bills, statements, or prior notices regarding this alleged debt. ** - **Transworld Systems has failed to provide proper verification**, violating my rights under the **Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) **.

# # # Violations Committed : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : ** Reporting inaccurate and unverified information despite my dispute.

2. **Violation of the FDCPA ( 15 U.S.C . 1692e ) : ** Using false or misleading information to collect a debt I do not owe. 
3. **Failure to Validate Debt Under 15 U.S.C. 1692g : ** Transworld Systems did not provide a valid contract or proof that I am responsible for this debt.

# # # Requested Actions from the CFPB : - **Investigate Transworld Systems** for unlawful credit reporting practices.

- **Require the removal of this fraudulent account** from my credit report.

- **Issue sanctions or penalties** against Transworld Systems for non-compliance.

I have already disputed this account with the credit bureaus but have received no satisfactory resolution. I am requesting that the **CFPB intervene** to ensure compliance with federal law. 
Please confirm receipt of my complaint and inform me of any required next steps. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Kikoff Inc.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX XXXX XXXX XXXXXXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX XXXX XXXX  Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: American First Finance, Inc.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX, XXXX, and XXXX credit report. XXXX XXXX Open date : XX/XX/XXXX. XXXX XXXX date : XX/XX/XXXX. XXXX Open date : XX/XX/XXXX. AMER FST FIN Open date : XX/XX/XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX  Open date : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It all started on XX/XX/XXXX, my nephew had a few items available on XXXX. This person named XXXX contacted him saying hed like to buy available items. We agreed on a certain amount it would all cost. He sent extra asking if wed do the favor of paying his movers picking up. He sent a few checks, which they looked real. It had his supposedly companys name on it ( XXXX XXXX ) and also had ( XXXX XXXX XXXX  ) written on the checks. I deposited the checks and a few days later the checks crashed. My nephew called XXXX XXXX and told them the situation. They said their checks never bounce and those checks dont match with the companys. He also called XXXX XXXXXXXX XXXX for a second verification, they told him the same thing. A few days ago I received an email from Wells Fargo stating my accounts will be closed on XX/XX/XXXX due to the checks crashing. I asked what can I do to keep my account but they dont want to help me resolve this issue.

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 2025-03-01 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: NY

Complaint narrative:
Experian has failed to conduct a thorough investigation of the fraudulent items listed on my credit report. I am now submitting documentation through the CFPB to see if I am able to get a response this way.

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 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This is really damage in my profile everywhere I go. Im getting denied. I had no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TN

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications. 
Please remove this collection off of my credit report thank You.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications. 
Please remove this collection off of my credit report thank You.

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 2025-03-01 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: TN

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in lawful communications. 
Please remove this collection off of my credit report thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
1. **Failure to Acknowledge SCRA Protections** : - I contacted Midland Credit Management ( MCM ) via their live chat system to request retroactive application of the Servicemembers Civil Relief Act ( SCRA ) to an account originally opened with XXXX XXXX XXXX XXXX XXXX XXXX The chat session was terminated immediately after I mentioned the SCRA, without explanation or assistance. 
- I also and disputed and offered to provide documentation proving eligibility for SCRA benefits, including : - Proof of my spouses active-duty military status ( service began in XXXX XXXX ). 
- Documentation confirming the debt was incurred **prior to my spouses active-duty service**. 
- MCM has not acknowledged my requests, adjusted the account, or communicated further. 

2. **Ongoing Non-Compliance** : - Despite SCRA requirements, interest has continued to accrue on the account. The debt was transferred to MCM after origination, but they have failed to honor the retroactive 0 % interest rate mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
If Equifax has confirmed that your personal information was impacted by the data breach and provided you with an engagement number XXXX, it means they are acknowledging your case and may offer support in resolving any identity theft issues. Heres what you should do next :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
Recently I viewed a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting an investigation. 

Account XXXX : XXXX XXXX XXXX XXXX Account # : 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 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ACIMA CREDIT, LLC
State: KS

Complaint narrative:
I contacted Acima about my debit card being stolen and I had to get a new one. They kept trying to charge that card multiple times between that time and the time I got a new one. I went online to check my payoff amount the day after I called them and it showed my payoff amount was {$530.00} with taxes and all. I went on there again today XX/XX/year> and it is over XXXX dollars and something with taxes to pay it off by XX/XX/XXXX. They charge XXXX  amounts of taxes and then when you try to pay off your product they charge you around {$50.00} to do so. I did not realize if I didn't pay it off a 90 days that it's {$1800.00} for stuff that didn't even cost but around XXXX total. I have always paid my stuff off so I never had to worry about it but they've added all these fees on top of everything and then won't explain to me why they done it. The rep I spoke to said he thinks it's because of failed payment attempts even though I told them do not try to charge that card because someone had stolen it and it was canceled. They tried to charge my card probably seven or eight times if not more. They wouldn't assist me in taking it off of the payment methods and there's no way to remove it. Getting through to them is hard and when you do get through to them they either hang up on you or don't know how to help you. When I first got my lease and I had talked to them they made it sound like a great deal until I went back and read the fine print and seeing that their rates are crazy and they charge entirely too much if you don't paid off in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one report to all 3 credit bureau incorrect account information which cause my credit score to decreased by XXXX points. Capital one confirmed by phone on XXXX that they reported my account information to all 3 credit bureau on XXXX which that is my due date on my account and the closing date on my account is every 2nd of the following month. Usually capital one does the reporting to all credit bureau after 2nd and this time around they did not. They confirm that this was a mistake in there end and were requesting that I send them a letter by mail explaining a mistake that they did on my account. Which I inform capital one that this mistake was done on there end and I should not have to send a letter explaining the mistake they did. They refused to have this mistake corrected on my account and stated a letter needs to be received by mail in order for them to review a mistake that was confirmed my phone that occur on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
My information was exposed during a data breach with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I have deleted on Experian every negative item due too identity theft they put it back on I have proof Equifax got in trouble again leaking credit reports I deleted everything they put back on Transunion deleted back on it want stop

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 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX Acct ending in 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 2025-03-01 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:
There is someone using my name and social to obtain credit. The names and addresses do not match

Company response to consumer: Closed with non-monetary relief