vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: VA

Complaint narrative:
I am writing to request validation of the debt reported under my name in your records ( CIC ) Contemporary Information Corporation, as permitted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that a debt has been incorrectly reported, and I am requesting that you provide the necessary documentation to validate the claim. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Please provide the following information for the reported debt : The original amount of the debt.

The name of the original creditor and their contact information.

A detailed breakdown of the charges.

Any supporting documentation that verifies the debt, including any signed agreements or contracts.

If you can not provide the requested validation, I ask that you promptly remove this entry from my tenant file. Additionally, please refrain from reporting any inaccurate or unverifiable information to any other credit or tenant reporting agencies.

I appreciate your prompt attention to this matter. Please respond within 30 days of receiving this request, as stipulated by the applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
Good day! I am reaching out to highlight some accounts in my credit report that are concerning that need investigation to get a lawful solution. I want to bring forward the account I found in my credit report that is inaccurate and inconsistent. Looking into my credit report I've identified some accounts that is violating the Fair Credit Reporting Act ( FCRA ), these violations are detailed as follows : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please provide correct evidence that I was late to this account, in compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you're unable to provide the required evidence needed, you can not deem payment as late, which also constitutes a violation of section 15 USC 1681s-2. I request that you update the account mentioned as PAID OR PAID AS AGREED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Due to identity theft and fraudulent activity on my credit from the years XXXX I have asked to be removed from chexsystems and XXXX XXXX  which is preventing me from opening a bank account because someone fraudulently opened one in my name and attempted to do bank fraud. Please remove my information from these reportings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Exodus Movement, Inc.
State: CO

Complaint narrative:
Using the built-in exchange feature, I exchanged one bitcoin for approximately {$92000.00} in XXXX coin XXXX From reading SEC documents, Exodus takes commission and monthly volume payment from exchange. Exodus sent the coin to some exchange which they had picked and not previously told me about ( it looks like they do exchange in-house but that is not what happened ). The exchange refuses to send me the XXXX. I did " know your customer '' KYC with Exodus to get help, and they told me to contact the exchange " XXXX XXXX XXXX '' which I had never heard of. That exchange made me do KYC to message them, which I did. That exchange asked where I got bitcoin from and I told them ( I got the bitcoin from another exchange ). Now the exchange and Exodus won't message me and won't send the XXXX nor return the bitcoin. Exodus is running a fraud by partnering with an off-shore exchange without telling people and then the exchange never delivers and gives Exodus a kickback. 

I have screenshots of everything and can show the onchain addresses. Exodus is scamming everyone who tries to exchange, and Exodus looks legitimate because they are listed on USA stock exchange. 

XXXX claims no knowledge about the exchange which they get kickbacks from and told me to contact the exchange at XXXX. I did XXXX with both of them and now both won't talk to me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
XXXX : : Identity Theft and Fraud : This CFPB complaint has been led to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, then XXXX credit reporting agency, block information appearing on my consumer credit 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 consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX & XXXX ... collections auto loan. XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX a Lease. An account on XX/XX/XXXX, XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX under the account XXXX off XXXX personal loan account.AND An opened XXXX, DEBTOR 'S A BUYER collection account that appears related to the aforementioned personal loan account opened at XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. 
What would be a fair resolutio I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
XXXX : : Identity Theft and Fraud : This CFPB complaint has been led to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, then XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX & XXXX ... collections auto loan. XXXX XXXX XXXX XXXX  account numbers XXXX XXXX XXXX a XXXX. An account on XX/XX/XXXX, XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX under the account XXXXcharge off /a personal loan account.AND An opened XXXX, DEBTOR 'S A BUYER collection account that appears related to the aforementioned personal loan account opened at XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. 
What would be a fair resolutio I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, XXXX, XXXX, and XXXX XXXX were all included in a bankruptcy in 2021. The Ohio bankruptcy Trustee granted the bankruptcy including all of those accounts, and they are still reporting and lingering on my credit. With the bankruptcy granted these companies should have stopped reporting and removed themselves and any lingering bad marks on my credit report. Which is why I am filing a fraudulent case against these companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
My information was keeled in the XXXX  / XXXX data breach and I would like my credit to be clean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. A company hired by my auto loan lender Ally Financial. I made payment to Ally Financial on XX/XX/XXXX. After doing so I was given instructions by an Ally Financial agent on how to redeem my vehicle. I arrived at XXXX XXXX XXXX on XX/XX/XXXX to redeem my vehicle and personal belongings. When I was given an inventory receipt by the XXXX XXXX XXXX agent ( claimed to be the manager ) I noticed the inventory wasnt accurate. I was told I needed to sign a waiver releasing XXXX XXXX XXXX and Ally Financial of any and all liability. When I refused to sign it I was told my vehicle wouldnt be released. I explained to the XXXX XXXX XXXX agent that I had a substantial amount of valuables in my car and dont know the current condition of my car how was I expected to release them of any liability. The XXXX XXXX XXXX agent strictly stated my vehicle wouldnt be released if I didnt sign the forms. I exited the facility and went to my vehicle and called Ally Financial and stressed my concerns to XXXX. I was on the phone for XXXX minutes while Ally Financial communicated with XXXX XXXX XXXX with no positive outcome. Ally Financial was of NO help. The company they contracted XXXX XXXX XXXX still refused to release my vehicle and personal belongs without signing the waiver releasing them of any liability. This puts me and my family in a really rough position because we need our vehicle and the personal belongings in it. Its literally our livelihood. I paid what was owed and fully entitled to retrieve my vehicle. Let it be noted a XXXX  XXXX agent towed my XXXX XXXX XXXX XXXX XXXX roughly a block while it was in park. The vehicle is XXXX  XXXX XXXX. Idk if any damage has been caused to my vehicle. Photos and video footage are available documenting this. This is another reason why I dont feel comfortable signing the waiver releasing them of any and all liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I am having issues with cash app services and when Im expressing that I would like to add money to my account with my banking card its giving a error and not explaining why I even called after making a withdrawal the same way sending it to my account but there blocking me from funding my account see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: MS

Complaint narrative:
XX/XX/year> I received a alert from XXXX XXXX XXXX where someone in XXXX  was trying to get some furniture in my name I call both parties Transuion and XXXX XXXX XXXX the only thing they say I could do is do a dispute. I noticed another thing my received a future alert where my credit is in a XXXX web meaning my credit have been effected by a data breach so I dont know who have my personal information at this point

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was enrolled in XXXX and made payments to settle debt. We made offers that were accepted by XXXX and paid the balances owed. XXXX continues to report the balances as owed even though they have been paid. They also had a locally company file suit on me for collections and that was dismissed after receipts were provided to the court. This is affecting my ability to conduct business and the three bureaus refuse to have this company prove the debt or remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WellsFargo started charging me {$5.00} per month since XX/XX/XXXX on my savings account. I did not notice these fees as my balance in this account was {$100.00} or less. I have two other additional checking ( average balance of $ XXXX ) and mortgage accounts with Wellsfargo which I use to do all my other business. 

When I spoke to their agent in XX/XX/XXXX they said you have to have a {$300.00} minimum balance not to incur these fees. the fees were labeled as " monthly service fee ' I had received not prior communication that there was a fee or i did not receive it when reduced the funds in my account to {$100.00} ... ..... 
I noticed after the fact that the {$5.00} fee is mentioned on the website but you have to search for it. 

I find this very unethical. How does a bank charge you fees for using your money in the savings account? I would like a full refund but more importantly why should a bank be allowed to charge you for doing absolutely nothing or for using your funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Hi my name is XXXX XXXX LEXINGTON LAW HAD A LAWSUIT AND I DIDNT GET THE. CHECK THEY SIAD THEY MAIL ME. THE CHECK WAS COMING FROM CONSUMER FINANCIAL PROTECTION BUREAU.. IT WAS MAILED TO MY OLD ADDRESS ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My new Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease update and reissue this check Thank you Old Address where check was mailed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: GA

Complaint narrative:
I have reached out to Mohela multiple times now. They are the new loan servicer for my private loans. All my federal loans were XXXX from XXXX XXXXXXXX XXXX. The only ones that are left are my private ones from the same exact school that was convicted of misconduct. I tried to fill out the borrower of defense application and sent it to them certified mail, and they IMMEIDIATELY denied it and will not allow me to submit another one. I don't know if I need an attorney or what, but I need help. I have payments due on XXXX and I asked for them to be deferred or in forbearance while I figure out what to do and that was denied. They offered me an option to consolidate my loans. The thing is that these loans were fraudulent. I was told at one point that I had some sort of grand/scholarship, and it wasn't anything of the sorts. It was a XXXX that XXXX tricked me into. I feel like deceptive things may be going on at Mohela. They don't want to help me with this, but I really need some help. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial
State: CA

Complaint narrative:
I had paid off my final balance with a debt collection agency XXXXXXXX XXXX They had double withdrew a payment. They took two payments of {$95.00}. I contacted them and they have yet to refund me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: MA

Complaint narrative:
On XXXX second XXXX XXXX XXXX XXXX I canceled my secured credit card with first latitude. There is a balance of XXXX XXXX and XXXX dollars owed to me. I was told a check was sent out XXXX third to allow 7-15 days to receive.. That time had lapsed, I recalled, they said they would have to do XXXX XXXX, please allow 72 ten days. That had lapsed again. I called again, XXXX thirtieth XXXX XXXX XXXX XXXX. Again, they tell me a check has been reissued. Allow 72 ten days ... Today is XX/XX/2025. Still have not received my check. I call back. They said it has been issued. Please. Allow 7 to 10 days. That is the only response you get. Every time they will not send out an email confirmation stating the check was mailed on such a date and have no other answers.

Company response to consumer: Closed with explanation