vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Experian, Transunion and Equifax for what I believe to be unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ) of 2010 and the Fair Credit Reporting Act ( FCRA ). These practices have directly impacted my ability to resolve serious issues of identity theft and have resulted in significant harm to my financial standing. 

Incident Description : has failed to properly convey my disputes regarding fraudulent activities reported on my credit report to the furnishers of information. The disputes that I submitted were distorted, truncated, and mischaracterized by Experian, thus not fully or accurately representing my claims to the furnishers. This has impeded the resolution of these disputes and allowed the continuation of incorrect information in my credit file. 

Consumer Financial Protection Act of 2010 : This act prohibits unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service. Experians practices in handling my disputes have been both unfair and deceptive, thereby violating this act. 
FCRA 611 ( Procedure in Case of Disputed Accuracy ) : This provision requires that credit reporting agencies must conduct a reasonable investigation of the disputed information, which includes properly forwarding all relevant dispute information to the furnisher. Experians failure to do so has violated this mandate.

FCRA 623 ( b ) ( Responsibilities of Furnishers of Information ) : This section outlines the duty of furnishers to investigate the disputes received from the credit reporting agencies. Incomplete or inaccurate communication from Experian compromises the ability of furnishers to comply with this obligation. As a result of these violations, I have suffered ongoing financial repercussions and undue stress. The failure of Experian to act according to federal laws has not only impeded the correction of my credit report but also prolonged the negative consequences of identity theft on my personal and financial life.

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I was served with a citation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I have been sued. The plaintiff is Midland Credit Management LLC. Yes I had a Midland credit card my credit card limit was {$500.00}. I stopped making payments XXXX or XX/XX/XXXX granted we were in the last few months of the pandemic and unemployment had stopped. I was fighting XXXX XXXX and nearly to sick to go back to work. I was dealing with XXXX out of my control circumstances the pandemic and XXXX XXXX. I stopped making payments XXXX or XX/XX/XXXX and Im just hearing back from their attorney with a lawsuit. I never received any letters, bills, mail or any paperwork prior to the suit. I was never given an opportunity to rectify this matter prior to being served with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 out failed to take timely and effective measures to prevent an address fraud on the 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 EXXXX 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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
On XX/XX/year>, I participated in a XXXX  interview for a remote appointment setter position with what I believed to be a legitimate company, XXXX XXXX XXXXXXXX ( also operating as XXXX XXXX XXXX XXXX and previously known as XXXX XXXX XXXX  ). After further investigation, I discovered that the company had previously gone by the name XXXX XXXX XXXX and has been reported for engaging in fraudulent hiring practices. During the interview, I was asked by representatives XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for remote access to my screen under the pretense of setting up work-related software. However, without my knowledge or consent, they used this access to open a {$6000.00} loan in my name and make unauthorized transactions through my Apple Wallet. After the interview, I was pressured into electronically signing contracts under false pretenses, with the company claiming that I needed to complete training and work for them in order to be reimbursed for the money taken from my accounts. When I tried to opt out of this situation, I was threatened with legal action if I disputed the charges. They claimed to have recorded our XXXX  interview and had my signed contract as evidence against me. After conducting further research, I found that this company has a history of misleading individuals with fraudulent pay-to-work schemes. As a result, I was defrauded of {$6000.00}, which includes {$1000.00} withdrawn from my XXXX XXXX  credit card account and {$5000.00} charged to my Apple Card, issued by Goldman Sachs Bank. These transactions were processed through the XXXX XXXX  which is a social commerce platform and when I attempted to request a refund from the merchant, my account on XXXX was suspended. In response, I immediately filed disputes on XX/XX/XXXX and XXXX with the XXXX XXXX, and Apple/Goldman Sachs Bank for the unauthorized charges. In addition, I have already filed complaints with IC3 and the FTC regarding this matter. I am now submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek refund and the removal of the fraudulent loan from my credit history. To support my case, I have attached emails, the signed contract, proof of transactions made to the XXXX XXXX. Please let me know if any additional information is needed. Thank you for reviewing my case and I really hope we can find a solution to this soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a disputed transaction that my bank has refused to investigate. This matter involves a fraudulent transaction where the vendor falsely promised a refund but never issued it. Below are the details of my case : Transaction Details : Date of Purchase : XX/XX/year> Amount : {$4500.00} Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Payment Method : U.S. Bank Business Platinum Credit Card Cancellation & Vendor 's False Promise to Refund : Cancellation Date : XX/XX/year> Method : XXXX message ( I have records of this communication ) The vendor explicitly agreed to issue a refund but never followed through. 

Banks Response & Unfair Denial of Dispute : When I contacted U.S. Bank to dispute the charge, they refused to assist, citing the 60-day dispute window under the Fair Credit Billing Act ( FCBA ). Their response stated : " Under the Fair Credit Billing Act, if you believe there is an error on your bill, you must contact us within 60 days from the date we sent you the statement on which the item first appeared. If you contact us after 60 days, we follow XXXX rules for these types of disputes to attempt to assist you. Unfortunately, your inquiry about this transaction was received after this 60-day period has passed, and we have determined that we are also unable to assist you further under XXXX rules. '' However, this is not a simple billing errorit is fraud. The vendor knowingly misrepresented their intent by promising a refund and then failing to issue it. Fraudulent transactions should not be subject to the standard 60-day dispute limitation.

Why This is Fraudulent : The vendor falsely promised a refund but never issued one, effectively taking my money without providing the product. 

After failing to refund me, the vendor stopped responding to my messages. 
This deceptive practice constitutes fraud, and I should not be denied protection due to an arbitrary time limit. 

Prior Attempts to Resolve : I contacted XXXX support, but the issue remains unresolved. 
I attempted to follow up with the vendor, but they have ceased communication. 

Request for Assistance : I request the CFPBs assistance in ensuring that U.S. Bank reconsiders my dispute. This case involves fraudulent misrepresentation, and I should not be denied protection due to a policy meant for billing errors rather than fraud. I seek the return of my {$4500.00}, as the vendor failed to uphold their commitment to refund me. 

I appreciate your time in reviewing my complaint and would like guidance on the next steps. Please let me know if any additional information or documentation is required. 

Sincerely.

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 2025-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I tried to withdraw money from RobinHood into my XXXX XXXX  account to pay my mortgage. They have my account restricted for no reason and can not provide an answer why. I have given them bank statements and all a documentation asked for. I have used them for XXXX  years and my bank has been verified with them the whole time. I have never had an issue and now all of a sudden my account is randomly restricted and they will not give me my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
For the last 2 years Ive received calls asking for someone that has a different last name than mine. They call for extended warranties using this name sometimes but more often than not it is about medical debt. Today on Friday, XX/XX/year>, I received a text about the medical debt claiming to be sent by Shepherd Outsourcing. I used the last 4 digits of my social to check the amount ( this was the only information requested ). Due to this being the only information requested I assumed it was a legitimate company. It stated I owed {$1400.00} in medical debt to XXXX XXXX XXXX XXXX. I have never used them nor have I been to the hospital that it claims to associate with. Around the time it is saying I owed the debt there was a similar debt to a similar hospital although this has been paid off with receipts. I called the number to ask about it and they have my number on file under a different name. Every call Ive received in the last two years I told them they have the wrong number and yet I still receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding XXXX late payments reported byXXXX XXXX my credit account. 
A Credit Card under my name XXXX XXXX account open since XX/XX/year>, # XXXX with excellent management. I have maintained a consistent history of timely payments for several years. However, Capital One reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, underXXXX XXXX XXXX ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. The reported information must be corrected or removed if it can not be verified. Furthermore, XXXX XXXX XXXX, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. XXXX XXXX XXXX : Requires creditors to provide clear and timely statements before reporting a late payment. Capital One failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If Capital One can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response withinXXXX days, as required by law. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-21 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing an complain against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices Which violates the consumer financial protection act ( CFPA ) specifically cashapp Failed to take timely and effective measures to prevent and address fraud on their platforms 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 acts had caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-02-21 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX XXXX XXXX XXXX XXXX XXXX ], account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( XXXX XXXX. XXXX ). 
Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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