vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
Dear Equifax, TransUnion, and Experian, I am writing to formally dispute and request the removal of fraudulent information from my credit reports. As a victim of identity theft pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), all fraudulent accounts and inquiries must be removed promptly. 
The following fraudulent accounts and inquiries were opened or initiated in my name without my consent. I have attached supporting documentation, including a copy of my identity theft report for your reference. 
Fraudulent Accounts Found on My Credit Reports The following accounts were fraudulently opened in my name and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries Found on My Credit Reports The following credit inquiries were made without my knowledge or approval and must also be removed : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  Equifax Request for Immediate Action Under Section 605B of the FCRA, you are required to block and remove all fraudulent information related to identity theft once proper notification and documentation are provided. Please : Remove all listed fraudulent accounts and inquiries from my credit reports. 
Send me a confirmation once the removal process is complete. 
Inform me of any additional steps or documentation required to expedite this process. 
Supporting Documentation I have enclosed the following documents for your review : A copy of my government-issued ID ( e.g., drivers license or passport ). 
A copy of my identity theft report filed with law enforcement. 
A copy of my proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit reports highlighting the fraudulent accounts and inquiries. 
Contact Information Please do not hesitate to contact me directly if further information or clarification is needed. I can be reached at ( XXXX ) XXXX ] or [ XXXX ]. I look forward to a prompt resolution to this matter. 
Thank you for your immediate attention to this issue. 

IVE ALSO ATTACHED MY XXXX REPORT SHOW THE FRAUDULENT INFORMATION REMOVED FROM THE INVESTIGATION DONE BY THIS CREDIT BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I found a dispute yesterday on XX/XX/year> and this company did not fully investigate my dispute because I have the police report number that I gave them which is XXXX in XXXX, Tennessee, which shows that my car was broken into and that my phone and personal information such as credit card card book bag XXXX, so much more was stolen. More importantly, my phone, which has my cash app card on the phone is a backup phone as well as the actual card. They did not properly or fully investigate. They denied it the next day, which tells me they did not reach out to the police or the detective over the case or even look at the police report to show that its proof that my stuff was stolen. This was a very unfair and not through investigation there was no investigation. They just denied me because they didnt wan na give me my money back, but they have to give me my money back because Im a victim of theft. And theres proof of that theres no way they shouldve been able to deny my dispute since I have a police report number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SC

Complaint narrative:
The followiing accounts are not mine and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-17 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: DC

Complaint narrative:
In accordance with 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  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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Identity information was stolen. Unauthorized charge was made on XX/XX/XXXX for {$960.00}. Disputed charge with chase bank and expressed my information was stolen. Contact merchant and also expressed my information was stolen. Chase said that the ticket was sent so they can not dispute it and will not provide and documents about claim. Contacted asking for a manager and no one has tried to escalate this fraudulent charge that was not made or authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-15 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Im following a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 Funds 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 2025-02-16 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: NY

Complaint narrative:
I need these fraudulent accounts removed from my credit report as they have retained me from obtaining credit.

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 2025-02-15 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: NY

Complaint narrative:
My score was decreased dramatically be cause I reported a new credit card that does not even have a payment due until XXXX. I worked 6 months to get my score up. Why is it legal for the credit bureaus to use a positive credit card, as a negative on my report. Which will effect my ability to obtain future loans etc.. This literally feels like I am being robbed in broad daylight. And does not seem fair or legal.

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> I looked at my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate this account XXXX Original balance : {$750.00} Date opened : XXXX XXXX. They sent me their investigation and said that this account was verified and accurate this is the report number of the letter I received from them # XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re investigate and violated my right. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
Re : Request for Removal of Inaccurate Late Payments Dear Sir/Madam, I am writing to formally dispute the late payment records appearing on my consumer report with your agency. The following late payments have been reported inaccurately and require correction : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX  Status Paid, Closed Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between myself and the creditor reporting the data. Late payments fall under this category and should not be included in my consumer report.

Additionally, I am requesting verification of the reasonable procedures followed, as required by 15 U.S.C. 1666 ( b ), to ensure that each periodic statement was mailed at least 21 days before the payment due date, along with all required disclosures under Section 1637 ( b ) of Title 15.

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 2025-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I bought a product that was not sent to me ( I was sent one that was not the correct one and I returned it ). I made the claim many times by phone and in writing and they still want me to pay when they are the ones who owe me the part that I had already paid. A complete scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
Can you help me with a problem? in XXXX I had a company called XXXX XXXX  install solar panels. We were told we were getting 8 panels for {$8000.00}. It turned out we only got 5 panels, and they financed me for {$50000.00}. The name of the company is called " Goodleap ''. We were scammed by this company. The sales man that came to my home seemed very nervous, and ended up coming here a few times, 4 times in the same day. The 4th time, I wasnt here, and my husband told me this right before he passed away, that this man leaned down and whispered in his ear that if I didnt pay the loan, he would take our home. My husband didnt tell me that then because he said he didnt want to upset me. XXXX  XXXX  went bankrupt, and a company called XXXX took over. My panels never worked from day one. I had no one to call to take care of this problem. I kept calling this company called Goodleap, and they told me they were not installers, but they were a finance company. I ended up getting someone out here who worked on the panels, and said they were now working, but since then we have lost power a few times, and still nothing kicked in. If you look Goodleap up, you will see hundreds of complaints of basically the same thing that I am going through. Charging customers thousands of dollars. I have stopped paying them as of XXXX, but they are giving me a hard time. I am so afraid of loosing my home. Im alone now as my husband passed away in XXXX. Please help me. I dont know where to turn. I notified the attorney general, and they did reach out to them, only to get a letter back saying how I declined people that wanted to come, and thats not true. In XXXX I got a call from someone saying they were coming out here the next day. I waited all day and they never came. I also got an email and a call from someone else saying they needed to speak to me. I answered the email, and called them, and got no response. Goodleap said in their letter that they told me several times, to call XXXX, and that I declined to do that. Thats also a lie. I did call them, and they kept directing me to other places that couldnt help me. I am at a loss knowing what to do. I have a copy of the contract, but I dont remember signing it, and I dont understand it at all. I will never be able to pay {$50000.00}. Please help me. I am a XXXX XXXX XXXX senior and just not knowing where to turn. I appreciate your time in reading this letter. I am XXXX XXXX and I live in XXXX NC. My phone number is XXXX XXXX XXXX. Thank you so much. 

On Thursday, XX/XX/XXXX at XXXX XXXX  EST, Congressman XXXX XXXX XXXX wrote :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/year> Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX Subject XXXX Cease and Desist Notification and Debt Validation Request Notice # XXXX Dear Sir/Madam, This letter is regarding the following accounts purportedly associated with me : Resurgent ID # XXXX ( LVNV Funding LLC/XXXX XXXX XXXX  XXXX ) {$2300.00} Resurgent ID # XXXX ( XXXX XXXX XXXX XXXX  XXXX ) {$1500.00} Resurgent ID # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) {$1300.00} Resurgent ID # XXXX ( XXXX XXXX XXXX XXXX ) {$1000.00} Resurgent  ID # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - {$800.00} Please be advised that I do not recognize or acknowledge these debts as valid or accurate. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby request proper validation of the alleged debts. This includes, but is not limited to : XXXX. Documentation verifying that I am the party responsible for these debts. 
XXXX. A detailed account of how the balances were calculated. 
XXXX. Copies of any contracts, agreements, or signed documents ( with my wet signature ) that substantiates your claim. 
XXXX. Documentation that Resurgent Capital has legal authority to collect these debts. 
XXXX. Copy of Forward Flow Agreement. 
XXXX. Copy of Chain of Assignment XXXX. Provide proof you are licensed to collect a debt in the state of Florida. 
Furthermore, I am invoking my rights under the FDCPA to request that you cease and desist any and all forms of communication with me regarding these accounts, except for the sole purpose of providing the requested validation or notification of the closure of these accounts. Failure to comply with this request will be considered a violation of my rights under federal law and may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), regulatory bodies and/or legal action. Your companys previous correspondence did not provide the above stated requests. Also, I am requesting that you stop reporting the above listed accounts to credit reporting agencies and remove it if its already been reported. 
Please confirm receipt of this letter in writing and ensure all future correspondence is sent to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
The charge-off reported by XXXX XXXX XXXX  on my credit report is inaccurate and does not belong to me. The account ( # XXXX ) is being reported as Closed Charge Off, with a **past-due balance of {$660.00} and a total balance of {$1000.00}, despite me having no knowledge of or connection to this debt. I have never opened or authorized this account, nor have I incurred any charges under it. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter and verification of all supporting documentation, including the original signed agreement, transaction history, and proof that I authorized this account and any charges made to it. If XXXX XXXX XXXX can not validate this debt with proper evidence, I request its immediate removal from my credit report to prevent further negative impact on my creditworthiness.

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 2025-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The charge-off reported by XXXX XXXX XXXX  on my credit report is inaccurate and does not belong to me. The account ( # XXXX ) is being reported as Closed Charge Off, with a **past-due balance of {$660.00} and a total balance of {$1000.00}, despite me having no knowledge of or connection to this debt. I have never opened or authorized this account, nor have I incurred any charges under it. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter and verification of all supporting documentation, including the original signed agreement, transaction history, and proof that I authorized this account and any charges made to it. If XXXX XXXX XXXX can not validate this debt with proper evidence, I request its immediate removal from my credit report to prevent further negative impact on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
Im disputing XXXX XXXX XXXX XXXX account # XXXX. On all 3 credit bureaus are reporting dispute accurate and Ive been telling them that XXXX XXXX wasnt reporting to them correctly. 
All 3 credit bureaus are reporting all different things. I have underlined everything on each picture of why the account is NOT accurate. You did not do a full investigation. I have sent all 3 credit bureaus this same message.

Company response to consumer: Closed with explanation