vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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:
# CFPB Complaint Letter : Identity Theft Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX **Date : ** XX/XX/2025 **Re : ** Identity Theft Complaint - FTC Report XXXX : XXXX To Whom It May Concern : I am writing to file a formal complaint regarding identity theft that has significantly impacted my credit and financial standing. I have already filed an Identity Theft Report with the Federal Trade Commission ( Report Number : XXXX ) on XX/XX/2025, a copy of which I have attached to this complaint. 

# # Personal Information **Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Phone : ** XXXX **Email : ** XXXX # # Details of the Identity Theft Someone has used my personal information to fraudulently open accounts and incur charges without my knowledge or authorization. I discovered these fraudulent accounts in XX/XX/2025. The unauthorized use of my identity has resulted in the following fraudulent accounts appearing on my credit report : XXXX. XXXX XXXX XXXX** - Account Number : XXXX - Fraudulent Amount : {$180.00} - Date fraud began : XX/XX/2025 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} - Date fraud began : XX/XX/2025 XXXX. XXXX XXXX XXXX XXXX - Fraudulent Amount : {$120.00} Additionally, incorrect personal information has appeared on my credit reports, including variations of my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and addresses I have never lived at ( XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  ). 

# # Actions Taken So XXXX XXXX. Filed an Identity Theft Report with the Federal Trade Commission ( Report # XXXX ) XXXX. Notified the XXXX major credit bureaus about the fraudulent accounts 3. Placed a fraud alert on my credit reports # # Request for Assistance I am requesting the CFPB 's assistance in : 1. Ensuring that all fraudulent accounts are removed from my credit reports 2. Instructing the creditors listed above to cease collection activities on these fraudulent accounts 3. Investigating how my personal information was compromised 4. Taking appropriate action against the companies that opened these accounts without proper verification of identity I am prepared to provide any additional information or documentation needed to resolve this matter promptly. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX # # Attachments 1. Copy of FTC Identity Theft Report # XXXX XXXX Credit reports showing fraudulent accounts ( if available ) XXXX. Any correspondence with the companies involved ( if available )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
# CFPB Complaint Letter : Identity Theft Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX **Date : ** XX/XX/2025 **Re : ** Identity Theft Complaint - FTC Report XXXX : XXXX To Whom It May Concern : I am writing to file a formal complaint regarding identity theft that has significantly impacted my credit and financial standing. I have already filed an Identity Theft Report with the Federal Trade Commission ( Report Number : XXXX ) on XX/XX/2025, a copy of which I have attached to this complaint. 

# # Personal Information **Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Phone : ** XXXX **Email : ** XXXX # # Details of the Identity Theft Someone has used my personal information to fraudulently open accounts and incur charges without my knowledge or authorization. I discovered these fraudulent accounts in XX/XX/2025. The unauthorized use of my identity has resulted in the following fraudulent accounts appearing on my credit report : XXXX. XXXX XXXX XXXX** - Account Number : XXXX - Fraudulent Amount : {$180.00} - Date fraud began : XX/XX/2025 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} - Date fraud began : XX/XX/2025 XXXX. XXXX XXXX XXXX XXXX - Fraudulent Amount : {$120.00} Additionally, incorrect personal information has appeared on my credit reports, including variations of my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and addresses I have never lived at ( XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  ). 

# # Actions Taken So XXXX XXXX. Filed an Identity Theft Report with the Federal Trade Commission ( Report # XXXX ) XXXX. Notified the XXXX major credit bureaus about the fraudulent accounts 3. Placed a fraud alert on my credit reports # # Request for Assistance I am requesting the CFPB 's assistance in : 1. Ensuring that all fraudulent accounts are removed from my credit reports 2. Instructing the creditors listed above to cease collection activities on these fraudulent accounts 3. Investigating how my personal information was compromised 4. Taking appropriate action against the companies that opened these accounts without proper verification of identity I am prepared to provide any additional information or documentation needed to resolve this matter promptly. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX # # Attachments 1. Copy of FTC Identity Theft Report # XXXX XXXX Credit reports showing fraudulent accounts ( if available ) XXXX. Any correspondence with the companies involved ( if available )

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover bank reordered my transactions to decline a bill pay transaction with XXXX XXXX XXXX. This has caused me to be charged return payment fees and late fees from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I received deposits into my checking account with CashApp. Those deposits were instantly used by an unauthorized party to purchase XXXX and then send those XXXX to an unknown party. 

I am waiting to see if CashApp is going to reimburse me the {$820.00} that was taken from my account. 

Checking Account # XXXX. 
Authorized Deposits Involved on XX/XX/year> {$400.00} {$300.00} {$120.00} Unauthorized XXXX purchases on XX/XX/year> {$400.00} {$300.00} {$120.00} As the transactions were happening I was attempting to block the transactions and was repeatedly logged out of my account the CashApp support advised my account did not exist. I they were later able to reinstate the account but are still investigating the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-28 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: GA

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccuracies on my credit file regarding my XXXX XXXX XXXX XXXX account # XXXX. Despite my previous disputes ( Round 1 and Round 2 ) and your investigation into these matters, the reporting remains inaccurate, and Equifax has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, my account is incorrectly reported with two 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. These entries are both inaccurate and illogical. It is impossible for consecutive months to show 30-day late payments without XXXX reflecting a 60-day late status, which further confirms this reporting is erroneous. I was, in fact, on time for these payments, as demonstrated by my payment history. Under the FCRA, Equifax is obligated to : 1. Conduct a thorough and fair reinvestigation of disputed information, as outlined in 15 USC 1681i. 2. Ensure the accuracy and completeness of the information reported. 3. Remove or correct any unverifiable or inaccurate information promptly. Your response to my previous disputes, stating that the information was " verified, '' demonstrates a failure to conduct due diligence in accordance with these requirements. The persistence of these inaccuracies is unfair, harmful to my creditworthiness, and in direct violation of my rights as a consumer. I demand that Equifax immediately : 1. Reinvestigate this matter thoroughly. 2. Remove the inaccurate late payments for XX/XX/XXXX and XX/XX/XXXX from my credit file. 3. Provide me with a detailed explanation of the investigative procedures followed and the evidence relied upon in verifying the accuracy of the disputed information. I have attached the following documents to support my dispute : Previous correspondence related to this dispute. A copy of my identification for verification purposes. Should this matter remain unresolved, I will consider pursuing additional remedies available under the FCRA, including statutory and punitive damages for noncompliance. I expect a resolution to this dispute and a corrected credit report within the 15-day period mandated by law. Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2025-02-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
This specific company would call but the number they would call from would tell me to call another number to talk to someone. I then got a text from my brother and they would not identify who they were to him but that they have third party ways to try and get in contact with me. Said they had 3 other people on their list but would not disclose who they were. I left a message to them because they did not answer when I called, and told them not to ever call anyone else ever again because thats just straight up harassment. I spoke with them today trying to ask questions and they were nothing but rude to me and was told Im just matching energy when I was asking legitimate questions and refused to answer my questions. Oh and then straight up said they were going to tell their client that I was just not going to pay when that wasnt what I said at all. They didnt bother to ask me where my financial situation was or do anything to try and resolve the issue but be rude and nasty for literally no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This card is no longer open and paid off should not be on my credit report any longer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This card is no longer open and paid off should not be on my credit report any longer

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 2025-02-28 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: GA

Complaint narrative:
I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my credit score. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.

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 2025-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: RI

Complaint narrative:
On XX/XX/year>, I contacted [ Lender Name ] regarding my loan ( # XXXX ) when my balance was {$1200.00}. I have already repaid more than I originally borrowed, yet the balance continues to increase due to excessive interest charges. 

On XX/XX/year>, after failing to reach a resolution, I sent a cease and desist letter requesting that all communication be stopped. However, the company continued to correspond via email through XX/XX/year>, disregarding my formal request. 

Between XX/XX/XXXX and XX/XX/year>, I made three separate attempts to negotiate a settlement due to extreme financial hardship and recently incurred medical debt. The company refused to negotiate or offer any assistance despite my good-faith efforts. Instead, my balance has now increased to {$1300.00}, even though I have already repaid more than what I borrowed. 

As of today, the loan is 76 days past due, and the companys refusal to work with me has led to continued financial hardship. I am seeking immediate resolution, including removal of excessive interest charges and a fair settlement. Additionally, I ask that the company be held accountable for violating my cease and desist request by continuing to contact me.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Full Circle Financial Services, LLC
State: IN

Complaint narrative:
There was an infomercial my wife and I were watching about the XXXX XXXX sweeper. It was advertised with free shipping, 4 different attachments and a steamer also. Near the end it stated if you ordered now they would knock off the 6th payment. After the first monthly payment I saw on statement that there was 5 more. I called the company and the lady argued with me that I had 5 left. After my fifth payment I called again and that lady said one more. I asked to speak to manager and couldn't understand what she was saying and got disconnected or hung up on. Now I have been receiving calls and emails from full circle financial services. They have stated in emails that it's already on my credit report before I even talked to with them. I have responded to several emails nothing responded. Yesterday I had a call from them and the guy kept saying he had all the information about me and wanted me give him my info I refused because he wouldn't say who or what it was about. The phone number didn't show a name but when I called it back they stated the name of the company. So I called the XXXX XXXX company and asked the representative what collection agency they would use. He stated they don't outsource debt. I looked through my emails and found that service company says it represents XXXX. I called the number back and when they answered the said the name. Couple hours later I get two emails from them, today I have received an email plus a call that I didn't answer but used someone else phone and called that number it was full circle financial services. Before I hung up last night on the guy who called he stated that they will continue to harass me until I paid. I can screenshot emails and send later as I need help doing that thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
Delete hard inquiries below off my credit profile immediately XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX TRANS UNION Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
Delete hard inquiries below off my credit profile immediately XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX TRANS UNION Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This card is no longer open and paid off should not be on my credit report any longer

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 2025-02-28 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX XXXX XXXX and Americollect trying to collect a debt from a medical bill they charged to the wrong insurance and will not accept payment from correct insurance company. They will not remove the debt from my credit report and continue to attempt to collect the debt from me personally.

Company response to consumer: Closed with explanation