vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have recently pulled mu credit report and noticed that there is a collection listing from your agency. I am writing you regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have made this request be validated.

I have never been notified of this collection action or that I owe the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity a copy of the original signed agreement or contract that proves Im responsible for this debt. Im also requesting a detailed breakdown of the debt breakdown ( principal, interest, fees ) including documentation showing your authority to collect on behalf of the creditor and a full accounting of all payments and charges to verify the amount claimed. The Last payment date and the statute of limitation. I will dispute debt until I receive validation that the proof for the debt is provided. Until you provide the requested validation, I dispute this debt in its entirety and request that all collection efforts, including reporting to credit bureaus, cease. Requesting at the point of this letter any further communication should be in writing.

Additionally, per the FDCPA, I request that you do not contact me via phone and only communicate through mail at the address listed above. 
If you fail to provide proper validation, I will consider this matter closed and will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
pnc bank received XXXX check for trading XXXX,. the platform went fraud, PNC bank will not give my check back to me. now i want interest too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 

Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Urgent Request for Return of Funds Due to Improper Account Offset To Bank Of America, On XX/XX/scrub>XXXX XXXX  Bank of America withdrew {$350.00} from my account without notice. I was later informed this was an offset charge for an old credit card debt tied to a small business that failed during the XXXX pandemic. 

Id like to bring to your attention that : -The funds were withdrawn without any prior notice, which directly contradicts the terms in the account agreement that I signed. 

-The amount taken was 94 % of the total funds in my account, leaving me with just {$13.00}. 

-At the time of opening this account, I disclosed the outstanding debt and specifically asked whether this new account could be accessed to satisfy the old debt. I was told XXXX. 

-When I inquired about this charge, I was told it was buried in the fine print of the account agreement. However, after reviewing the agreement myself, it clearly states that notice must be provided before any offset is appliedwhich did not happen. 

This action has put me in an extremely difficult financial position. I am currently struggling and needed those funds to cover critical expenses, including a car payment. I am respectfully requesting that the {$350.00} be returned to my account. 

Please let me know how this issue can be resolved. I would appreciate a prompt response. 

Sincerely, Deceived customer

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I signed up with Clover Credit Card processing company. The Clover system did not work for my small business. IT was to complicated and had to do everything over the phone. When I signed up the Clover rep said I could cancel at any time. He did not tell me they used First Data Merchant Services to process the credit card processing. So I cancelled the Clover accounts ( I had 3 accounts for different locations ). They kept getting bills. When I called them to resolve they told me I had a contract with First Data Merchant Services, I thought the only thing I was signing was for Clover did not realize it was I guess two contracts. So when I contacted First Data Merchant they told me I had to send back the clover equipment and I did. Then they told me I could not get out of the contract which was for two more years even though I was not and had not use the equipment except for the first month while trying to make it work for my shop. So they actually have been charging me for two of the accounts {$52.00} each for a whole year, while they can see that I have not used it since XXXX of last year and only used it in XXXX of 2024. Now they have also sent me some bill and said I did not send the equipment back when I did send it back through the UPS mail. I have called them multiple times asking them to commute the this bill and they will not stating I signed a contract. I have explained they can see I only used it for the one month and they said it does not matter. They still want me to pay for 6 more month! To me this is a scam, if you are not using their product, especially for a whole year and only used to try it out they should have tried to work with me. I really feel like I have been taken advantaged of because us small business are just trying to find ways to make ends meet. They are out there selling that we can pass the credit card fee on to the consumer and it is easy to use their equipment and hassle free. Very much was not the case. I have used XXXX processing the whole time except that one month. That can be looked up to prove.I have given them XXXX dollars in subscription fees while not using the service. I really hope something can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I asked for a record of the number of calls I had made to Syncrony bank over the phone and they had no record of any calls other than from earlier today.

Syncrony let me know that I should have been receiving emails or letters in the mail each time fraud was reported and I did not receive the communication at all.

There were times where I asked for a new card in the mail and no card was sent. I also no longer have access to XXXX because I believe they reported fraud for purchases I made. 

I called again and asked for the bank to list the times I called and they had no record of it. I estimate that I called to communicate this with them 10-20 times and the issue keeps happening.

Update : after escalating the situation and calling again they gave me some of the dates that fraud was reported by me. They said Based on what I can see here we have 5 separate fraud accounts. I believe it is much more than this amount of times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For example, I called today twice on XX/XX/XXXX and they let me know that they were giving me a new card in the mail. I let them know that last week I called and a new card was supposed to be on the way already. The did not appear to have record of the call made just last week.

When I asked specifically about the report I made one week prior, they made me aware that they made an error when calling last week and reported fraud to the wrong account. I believe this is why I am sometimes not even getting a new card in the mail.

I do not want to continue banking with Venmo but I still have a balence on my credit account. I believe that there are many errors and miscommunications on Venmo/Syncrony banks account. So many errors that it would be impossible for me to keep up with all of the errors made over the past year.

Even within the last call they said there was one fraud claim and then they looked into it and said there were 5 fraud claims. Within these fraud claims they didnt include any of the claims made from this month or last month at all.

I do not believe that they are taking these claims seriously

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address a discrepancy Ive observed regarding my credit score as reported by TransUnion. Yesterday, I noticed a drop in my credit score on XXXX XXXX, which prompted me to contact TransUnion by phone today, XX/XX/year>, at XXXX XXXX 

As part of my ongoing efforts to improve my credit, I regularly monitor my scores across multiple bureaus. While my credit score has been increasing with other bureaus, Ive experienced the opposite trend with TransUniondespite actively settling my debts. This inconsistency is concerning, especially since TransUnion advertises that paying down debts will positively impact credit scores. 

When I called TransUnion for clarification, I spoke with a representative, XXXX XXXX. After providing all necessary personal information, I was informed that she could not access my credit score or assist me with this issue and was directed to check XXXX instead. This response was unsatisfactory, as I was seeking an explanation for the discrepancy and guidance on resolving it. 

I find this lack of support troubling, particularly in light of TransUnions advertised claims. If paying my debts does not reflect positively on my credit score as expected, I would appreciate a clear explanation and assistance in resolving this matter. 

Please provide clarification on the following : XXXX. Why my TransUnion score is declining despite my efforts to settle debts. 
XXXX. Steps I can take to address this discrepancy. 
XXXX. How TransUnion ensures accurate and fair credit reporting in line with its advertised claims.

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 2025-04-16 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-16 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 01/09/1994, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX XXXX, and a collections account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$3600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
XX/XX/XXXX A " XXXX XXXX XXXX '' WAS OPENED UP IN MY NAME. I DID NOT AUTHORIZE THIS, OR HAVE ANY TYPE OF FINANCIAL RELATIONSHIP WITH XXXX 
IT WAS OPENED IN XX/XX/XXXX AND DATE OF LAST ACTIVITY WAS XX/XX/XXXX. 
THIS WAS UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency Equifax, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Account was force closed due to to many claims not being approved they told me first that I will need to wait for the account to fully close and I should get a check with my remaining funds within 7-10 business days. I called back and told them I want my funds transferred to another bank that I can not wait I need to support my kids they told me they can not do that and now it will be up to 90 days before I get my money I have spoken to several different people and I keep several different answers.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally 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