vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am a victim of potential fraud. I sent money via Cash App to some one for a service I never received. He states that we are in a 6 month contract but I never signed a contract or was shown a contract upon payment. I tried to ask for the money back via charge back on Cash App but he denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX I received information from XXXX stating that the information was accurate and I requested the information and I was not provided that information. I also contacted the XXXX Capital One regarding this matter and I have not received any information. Not only do I know that this account is fraudulent but not mine, because I have had an active account with XXXX Capital One already and it has just been upgraded to a SAVOR Capital One card as of this month. I contacted Capita One regarding this matter and I have been told by XXXX on XX/XX/XXXX that my account is in good standing and it was just upgraded to the new card. I have been dealing with this dispute for over a year and this needs to be removed since I have not been provided accurate in formation the last year. i have even sent this letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccuracy on XXXX Capital One Account Dear XXXX XXXX XXXX, I am writing to formally dispute the reported inaccuracy associated with my XXXX Capital One account XXXX which appears to be in collections under your management. My account is currently active and in good standing, and I have been notified that my XXXX Capital One Card has been upgraded to a SAVOR Capital One card. 
Despite this upgrade and the positive standing of my account, I have received information indicating that it is being incorrectly reported as being in collections. This discrepancy is concerning, and I would like to resolve it as quickly as possible. 
Please provide me with the following information to clarify this situation : 1. Verification of the account status and any outstanding balances.

2. A detailed explanation of the circumstances leading to the collection report. 
3. Documentation supporting your claim regarding the collection status of my account.

I appreciate your prompt attention to this matter and look forward to your response within 30 days. If this issue is not resolved, I will consider further actions to protect my rights.

Thank you for your cooperation. 
Sincerely, XXXX XXXX, ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
On three separate occasionsXXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX contacted me via text message at XXXX XXXX These communications occurred outside the permissible hours outlined by the Fair Debt Collection Practices Act ( FDCPA ), which generally prohibits contact before XXXXXXXX XXXX or after XXXX XXXX 

I believe this behavior constitutes a violation of the FDCPA, as the timing of these messages demonstrates disregard for legal requirements. I am seeking the CFPB 's assistance in addressing this matter and holding the company accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer
reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-21 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: VA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX Account Number XXXX Date XXXX : XX/XX/XXXX Balance : {$1200.00} - Charge Off XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) Account Number XXXX Date Open : XX/XX/XXXX Balance $ XXXX Collection - Negative accounts NOT included in Dispute : XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$600.00} - Late/Open XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$420.00} - Late/Open XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$70.00} - Late/Open XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$160.00} - Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
The company used my email for notifications for someones elses loan. When I put in a service ticket to have it removed, they ignored it. Now I am subscribed to all of their email advertisements and the unsubscribe feature will only unsubscribe to that particular type of email, not all emails from the company. There is no way to unsubscribe to all of their advertisements as a customer using a single action or even as a non customer. They are violating can spam act and predatory behavior on customers to prevent them from easily unsubscribing to all promotional emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Someone within the home had access to my information I only found out after I tried buying a home all these debts showed up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MD

Complaint narrative:
I am filing this complaint because the creditor has engaged in unfair and misleading debt collection practices. Despite my efforts to resolve the outstanding balance, they have continued to report inaccurate information to the credit bureaus, which has negatively impacted my XXXX XXXX. I have made multiple attempts to dispute the errors, but the creditor has failed to provide clear documentation or respond to my inquiries in a timely manner. Additionally, they have violated the Fair Debt Collection Practices Act ( FDCPA ) by making repeated harassing phone calls outside of allowed hours and failing to provide required validation of the debt.

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 2024-12-21 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I got a phone call from Bull City Financial. I answered the call, and the man proceeded to tell me that I owed them {$1000.00} and how I would pay it. Well, I told him that already disputed this bill, because I have financial sid with XXXX at 100 %. I was told that my bill was forgiven. I sent them the corresponding notice that I received from the company that filed on my behalf. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The man I spoke to was so rude, he began talking to me, and I told him that I wasn't going to pay it because I could not afford, It began to yell and say, '' Are you refusing to pay '', and at that point, It got confusing and stressful because we were just going back and forth, it was horrible experience of harassment to the highest degree. Can the debt collectors treat you this way? I was so shocked, I said, goodbye and hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was a victim of a fraudulent scheme in XX/XX/year> that involved Bank XXXX XXXX XXXX product. 
The perpetrators posed on XXXX as a nearby homeowner desiring to give away a grand piano. When I inquired, the response was the homeowner had given up and the piano had been moved. The scammer was willing to have me pay to have the piano moved back to Massachusetts. Suspicious, I called the BOA fraud line, and the operator looked up the moving company online, as I had, and assured me it look ok. Using XXXX, I paid {$XXXX} for the move. 
A second communication indicated the piano would need to be packed more securely for a move, and more money was necessary. I no longer have a record of what I paid for that, through XXXX, but it was around {$XXXX}. Needless to say, no piano was ever delivered. 
I contacted BOA, seeking fraud protection or reimbursement, and that was denied by the bank. I did not pursue the matter further.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2024-12-21 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: PA

Complaint narrative:
Company repeatedly continues to furnish fraudulent documents information on my report. Company has been notified and sent copies of FTC reports via priority mail, listing the accounts as fraudulent yet this company still continues to break the law. These deragatory marks has caused adverse actions against my family causing substantial hardships. This is a direct violation of 15 USC 1681. Also these accounts has reached the PA statute of limitations for charged off debts. 

Account name : XXXXXXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This all began on XX/XX/XXXX, I believe it was, with an XXXX XXXX. I rented her and her boyfriend a room at my condo approximately 5 years ago ... that's how I know her. Anyway, she heard about my XXXX XXXX in XXXX of XXXX. She reached out to me and wanted to visit to see how I was doing since accident. I was staying at XXXXXXXX XXXX  in XXXX during XXXX and XXXX, and part of XXXXXXXX XXXXThey gave her a key to my room upon arrival without my consent. She went into my room where my belongings were, while I was down at the pool. She obtained access to my information. That account was shut down as soon as I noticed the charges I never made. XXXX, a banker at the XXXX, ohio branch, assured me this would never happen again bc they were going to put fraud protection on the new account. 
Then, XX/XX/XXXX, my car was stolen from XXXX XXXX XXXX XXXXXXXX XXXX. My purse was in the trunk of my car, along with almost everything I owned. The casinos security cameras have the man getting in my car and leaving the property, per XXXX, security head. Losing everything, I had a mental break and was admitted to behavioral health on XX/XX/XXXX and released XX/XX/XXXX. During this time, my mother supposedly called the bank to freeze the account, but it was NOT done. Over {$12000.00} was taken!! And this being while a fraud alert was supposedly in place on the account. I provided the requested, and required information to prove the transactions were unauthorized. This was all done by XXXX, XXXX because there were at least 4 open cases on this matter with XXXX. 

I still HAVE NOT GOTTEN A DIME OF IT BACK, NO PROVISIONAL CREDITS, NOTHING!! PLEASE HELP ME!!!! THIS WAS MONEY FROM MY XXXX XXXX XXXX ME AND LEFT ME HOMELESS BC I LOST EVERYTHING FROM BEING IN HOSPITAL FOR 2 MONTHS IN XXXX AND ALMOST DIED.THIS MONEY WAS GOING TOWARDS A NEW RESIDENCE. IM AWAITING XXXX XXXX XXXX XXXX CURRENTLY, BUT IS ON HOLD BECAUSE I DONT EVEN HAVE ENOUGH MONEY TO EAT PORPERLY XXXX WHICH IS CAUSING ADDITIONAL HEALTH PROBLEMS. NOR A SAFE PLACE TO LAY MY HEAD, AND XXXX XXXX  EXCEPT MY CAR. THANKS HUNTINGTON BANK FOR NOW PUTTING MY LIFE AT RISK, AGAIN!! ( SARCASM )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement 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 2024-12-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Equifax, I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. I have no knowledge of these accounts they are fraudulent. I dont know what this collection is about I am not associated with the fraudulent accounts. Please remove these accounts as it is messing with my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE ALL FRAUDULENT ACCOUNTS SWIFTLY OR PROVIDE DESCRIPTION OF PROCEDURES AND STEPS TAKEN TO ACCURATELY VERIFY THE ACCOUNTS IF YOU CANT PROVIDE THIS REMOVE THEM. 

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent.

These accounts are NOT showing maximum possible accuracy according to 15 USC 1681e ( b ) the open date, date last active is not accurate. Delete Accounts Immediately for violation of 15 USC 1681e ( b ) 15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time.

Company response to consumer: Closed with non-monetary relief