vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
THIS IS AN AMENDMENT TO COMPLAINT # XXXX XXXX XXXX I had this credit card account subjected to a forensic audit to assess potential violations of securities laws, and during the review, I discovered that a XXXX was attached to the account, indicating that it had been securitized. Upon further investigation into your filings with the U.S. Securities and Exchange Commission ( SEC ), I found that your company is prohibited from trading these accounts on the secondary market under Rule 10b-5 of the Securities Exchange Act of XXXX, which specifically prohibits the misrepresentation or omission of material facts in connection with the purchase or sale of securities. The presence of this XXXX  attached to my account directly points to an illegal assignment and misrepresentation of the transaction. 
Not only does this breach your filing and disclosure obligations under the Securities Act of XXXX and Securities Exchange Act of XXXX, but I also discovered that the company failed to return a negotiable instrument that I tendered as payment for the account. When I provided the negotiable instrument, the company accepted it but refused to apply it as payment, insisting that only USD could be accepted. This is a violation of the Uniform Commercial Code ( UCC ), which governs negotiable instruments and requires that they be honored as payment if they are properly tendered. The companys refusal to accept the negotiable instrument and insistence on only USD is a breach of contract and shows bad faith. 
Additionally, I have an expert witness prepared to testify that this credit card account is unenforceable due to the improper transfer of the account. The required documentation, including the original credit card agreement and proof of the assignment, has not been provided, making the transfer incomplete and in violation of UCC 9-203. Without the necessary documentation, the assignment is invalid under UCC 9-308 and UCC 9-406 , rendering the account unenforceable under applicable law. 
Therefore, I assert that the actions taken by your company in securitizing and transferring this account, without providing the proper legal documentation or disclosure, not only violate securities laws but also constitute fraudulent conveyance and a breach of fiduciary duty under state contract laws. Furthermore, the improper handling of the negotiable instrument amplifies the violations. These actions expose the company to potential liability for fraud and failure to comply with both contractual and statutory obligations.

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 2025-02-03 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Purchased a product from XXXX XXXX. Product was delivered to the wrong building. Opened a claim with American Express, in which the supposed letter from XXXX XXXX stated they did deliver the packages and acknowledged it was delivered to the wrong building. Im unsure why American express is holding me to the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app keep XXXX  me over they sold assets I never got

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/25 I contacted Experian to unfreeze my account. I attempted to do it through their portal. I requested they send the information to re-set my password. They sent it to the wrong email address.I attempted this two more times with the same results. I then attempted to do it by phone, and the automated service was unable to send me the on time pass code. I attempted this several times unsuccessfully. All other phone numbers I could find that supposedly could place me in contact with a representative, re-routed me back to the same automated service. Finally I was able to get on a line that promised a representative would be with me in 3 minute. I waited 45 minutes before I had to hang up.

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 2025-02-03 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: IL

Complaint narrative:
I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with 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. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with 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. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My credit reporting agency notified me that this company had placed this collection on my credit report. I asked for proof of the debt, and they threatened me, so I paid the debt to remove it from my credit report and restore my credit health. However, they did not remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
Hey, I'm just sending in my updated Power of Attorney. Attached I'll have a 2848 and a new Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I cancelled my lease a little after my signed agreement and they contuined to bill me after I left and signed a new lease elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Original Creditor : XXXX ( XXXX ) Account Number : XXXX Date of Last Activity : XX/XX/year> Status Paid/Settled with another creditor I am writing to file a complaint regarding an account that was previously reported on my credit file. The account in question was originally with XXXX ( XXXX ), and the debt was sold to another creditor. I have since paid the debt in full to the new creditor. I am requesting that the charge-off/collection status be removed from my credit report as a gesture of goodwill. 

I take my financial obligations seriously, and since resolving this account, I have been diligent in maintaining positive financial habits. The derogatory mark associated with this account is hindering my ability to improve my credit standing and reach my financial goals. 

I kindly request that Equifax remove the collection status from my credit report as an act of goodwill. I would appreciate your assistance in ensuring that my credit report accurately reflects the resolved status of this account. 

Please let me know if any additional information is needed. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I woke up to a message stating my checking bank account was - {$120.00} overdrawn a day after me getting paid at work. 

I called Chase to report the 4 transactions that were not authorized coming from a USPS and they told me it would take 10 days for them to come to a conclusion. 

I then called USPS to verify how this could happen, and through dual investigation we confirmed it was a scam done through text message I received where the scammers pretend to be USPS requesting additional info about a package I was waiting on since it was during XXXX time, and that it cost {$0.00} cents to resend the package, so I put in my info and then it requested a pin which I just happened to use the same one I use for the bank, and on XX/XX/XXXX, is when they took my money out. 

I called Chase bank again on day 9 since I hadnt received an update from claims, and Chase bank told me the claim was denied due to insufficient evidence that I didnt authorize the transactions, so I requested they track where the transactions were done from and with a lot of hesitancy, the told me it was done in the state of California . 

The claims representative then told me they would re open the claim if I provided proof that it wasnt me making the transactions in California, so I gathered XXXX XXXX  receipts, a police report, camera footage with time stamps from my job, and many other detailed forms of evidence, and told me it would take 2-3 business days until they have another conclusion. 

I called Chase bank back once again to check on the status a few days after and they said that the claim was denied again due to now saying the transactions were actually done within 100 miles from my home zip code, so I asked them to tell me how they came to that conclusion if they initially told me the transactions were done in California, and from which specific location in XXXX were they made so I can get police to gather camera footage, but they stated they didnt know how and couldnt give me the information on that l and theres nothing else we can do and hung up on me. 

I went again to two different physical chase bank branches where agents helped me make further arguments towards the case and again with a lot of hesitancy, have agreed to review the case again since I involved police. 

Its been almost a month and I still have not been able to pay some of my bills since to add insult to injury, theyve lost my replacement debit card twice and I cant change my bank pin without it putting me in further exposure to another fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Investment Retrievers, Inc.
State: GA

Complaint narrative:
The law states that 15 U.S.C. 1692c is a law that governs how debt collectors can communicate with consumers and third parties. It is part of the Fair Debt Collection Practices Act ( FDCPA ).

Debt collectors can not communicate with third parties without the consumer 's consent or a court order.

Debt collectors can communicate with the consumer 's attorney, the creditor, the creditor 's attorney, or the debt collector 's attorney. 

On My XXXX  account the account # is XXXX it shows the amount of XXXX the original amount is XXXX they say I owe XXXX. 
This is obviously fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Someone got my personal information from Cash app, and used it to open a second fraudulent cash app account in my name. Somehow the cash app card associated with the fraudulent account got sent to me by accident. When I contacted cash app about it the incident, I was told thank you for letting us know we will look into it. They completely disregarded my issue entirely. There's was no apology, there was no follow up concerning the matter. It was as if what happened didn't matter, I didn't matter. So I have no idea what this person has done in my name with that account, I can't access the account and the company refused to look into it. I've monitored my credit report and haven't really seen anything but from a legal perspective I have no way of knowing. I still have the cash app card that was sent to me, that is associated to the fraudulent account in name. I keep it as proof just in case something did happen. I will attach photos of the fraudulent card, and my personal card, you'll see the # hashtag names and the last names are don't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: OK

Complaint narrative:
When I apply for credit and get denied, my denial letter will state that my credit score is far different than the credit score that I get on the paid accounts that I have with each individual credit bureau by XXXX points or more. I have different accounts with different credit improvement apps and each app will tell me that my credit score is different, even though it's the same credit bureau. I don't understand how they can have XXXX point or more difference depending on what app you use. I can understand maybe different credit bureaus. It's the same credit bureau though. How am I getting XXXX point differences? I wouldn't apply for credit if my credit score is as low as the companies that are denying my credit shows. I don't understand why I'm not getting the same credit report as the company 's that are requesting it? Also the credit bureaus refuse to take old information off of my account. They have names that are not mine on my credit report, accounts that are not mine on my credit report, social security numbers that is not mine on my credit report, addresses that are not mine on my credit report, the list goes on and they will not look into it. I put in a disputes and it will go off my reports for a month or XXXX and then they'll put it right back on there.

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