vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a collection email from Credit Control , LLC of XXXX XXXX, MO claiming that I owe {$150.00} to XXXX XXXX. Credit Control , LLC is the XXXX collection agency attempting to collect a debt I do not owe to XXXX. XXXX is attempting to bill me for services after XX/XX/XXXX when I switched providers. I have written proof from XXXX acknowledging the transfer of services on this date. 

I requested from Credit Control , LLC by letter sent by Certified Mail dated XX/XX/XXXX ( attached ) a response within XXXX  days acknowledging that the debt is not owed and that my credit report would not be impacted by their action. A representative from Credit Control , LLC signed for my letter on XX/XX/XXXX ( attached proof ). I have received no response from XXXX XXXX regarding my dispute of their collection attempt as required by FRCA. Credit Control , LLC has violated my rights under the FRCA by not responding to my dispute. 

I have filed CFPB complaints against the other XXXX collection agencies and each informed CFPB that I do not owe the amount XXXX claims and that they had returned the account to XXXX. Those CFPB complaint numbers were : 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 2025-02-01 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
this agency is infringement on my consumer right by using misleading, false and deceptive tactics. 

This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, they've added a collection to my credit report I've already tried to resolve these issue directly with them, but they continue to violate my right. For each violation listed, i am entitled to $ XXXXThey must either compensate me or remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Subject : Urgent Request for Immediate Removal of Fraudulent Account ( XXXX  XXXX  ) I am writing to formally dispute the fraudulent account currently listed on my credit report under the name XXXX  XXXX  ( Account Number : XXXX ) with a balance of {$1600.00}. This account is the result of identity theft and has been reported without my authorization or knowledge. 

I have never opened an account with XXXX  XXXX, nor have I had any interaction with this institution. I demand that this fraudulent account be removed from my credit report immediately to prevent further harm to my financial well-being. 

To assist in your investigation, I am providing the following supporting documentation : A copy of my FTC IDENTITY THEFT REPORT A copy of my government-issued ID. 
A Police Report for identity theft, filed on. 

As the credit reporting agency, you are required under the Fair Credit Reporting Act ( FCRA ) to investigate this fraudulent account, and I request that you complete your investigation within the legally-mandated XXXX period. The FCRA further obligates you to delete any information that is found to be inaccurate or incomplete. 

I expect this fraudulent account to be promptly removed from my credit report, and I request written confirmation of the deletion. Failure to resolve this matter swiftly and accurately will compel me to escalate the issue further. 

Please treat this matter with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
My credit report is showing an error that is affecting my payment history on XXXX of my accounts. I have asked the company to correct this but they have been ignoring me and now this is affecting score and I am being denied for a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX doing business with Rocket Mortgage, denied my request for a loan based on insufficient income. They refused to consider my VA XXXX payments as income because I do not have a W-2 showing income from the VA. I told them that income is not taxable, so there is no W-2 generated. Without my VA XXXX, I wouldnt qualify for the mortgage. They decided that since they couldnt calculate my VA income, that I was disqualified. I provided them with my VA XXXX benefit letter, and they refused to consider it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
don't recognize these inquiries i asked credit bureaus to remove them but they didn't remove them i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and not mine.

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 2025-02-01 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
LEGAL NOTICE NOTICE OF CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND REQUESTING INFORMATION AND INTENT TO SUE XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX DEFENDANT : AMERICAN EXPRESS XXXX number : XXXX XXXX XXXX XXXX EL PASO, TX XXXX XXXX : XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX SUITCASE GO AFTER AMERICAN EXPRESS XXXX  XXXX TO SUE UNAUTHORIZED BONDS, SECRET CONTRACTS, DOUBLE RECOVERY, INSURANCE FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS CHAIN OF ASSIGNMENT - ACCOUNT # XXXX DEAR DEFENDANT : AMERICAN EXPRESS IVE RECENTLY REVIEWED MY XXXX & XXXX CONSUMER REPORTS IVE NOTICE THAT YOU HAVE AND [ GAAP ] FINANCING TRUST/BOND ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN WASHINGTON DC XXXX XXXX XXXX XXXX. I WAS ADVISE THAT I REQUEST A COPY OF THE 1099-C FROM XXXX XXXX. SO, I AM REQUESTING A COPY OF 1099-C THAT YOU SENT TO MY PERSON ACCT : XXXX XXXX XXXX XXXX MATCHING THE SAME DATE THAT YOU GAVE MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY XXXX  XXXX  XXXX  THAT IVE RECEIVED IT. [ IRS FORM 211 WHISTLE BLOWER AWARD ]. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. SINCERELY, AFFIANT : .XXXX-XXXX XXXX XXXX XXXX Living man, Im far from being XXXX XXXX  XXXX  XXXX XXXX XXXX Beneficiary OF ACCT XXXX XXXX XXXX not the XXXX  XXXX ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES XXXX XXXX XXXX XXXX192 1933 USC 6802 XXXX XXXX  XXXX XXXX If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. USC 1681a XXXX XXXX 18 USC 1028A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested proof of me signing a contract with the creditor and also asked if they can send me a of my identification card as well as proof of a signed contract WITH MY SIGNATURE for creating this account! I expressed if they can not provide the items Ive requested, I would like for them to remove the damaging item from my credit report

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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX  Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX  Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry My social security number has been compromised from the social security XXXX that occured in 2024 access to the Natiional XXXX XXXX XXXX XXXX 
Thank you for the prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

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 2025-02-01 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:
Account Name : XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX  access to the XXXX  XXXX XXXX XXXX XXXX 
Thank you for the prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I am writing to request the removal of the following information from my credit file. A list of the items to be deleted is attached in a Word document. I am a victim of identity theft, and there are multiple accounts and inquiries on my credit report that I did not apply for. I request that these items be deleted to ensure my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. Please block this information from my credit report as soon as possible, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements unde
r the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with ( XXXX  XXXX Inquiry : XXXX XXXX, 2025 ), I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into ( XXXX  XXXX XXXX : XXXX XXXX, 2025 ) inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if ( XXXX XXXX XXXX : XXXX XXXX, 2025 ) is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I have negative items being reported on my credit report. I have requested proper documentation according to the FCRA. Both XXXX and equifax are currently being sued for this exact issue. My credit report is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchase XXXX XXXX XXXX XXXX gift cards but have been unable to use them. When I called the card servicer ( XXXX XXXX XXXX XXXX XXXX ) they stated the cards were compromised and offered replacements. When the replacements came XXXX weeks later I tried to activate them but was informed that I would now need to provide proof of verification through email. I sent the required documents through email on XX/XX/XXXX from email address XXXX but have yet to hear back. I have resent the email today XX/XX/XXXX from the same email address and have included my claim number XXXX. I am submitting this complaint to prompt action from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app has had no customer service support phone for me to contact them for and consumers help or services

Company response to consumer: Closed with explanation