vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I entered a debt management agreement with Beyond Finance. At that point I has approximately $ XXXX in unsecured debt. I was told that with a fee that they could reduce or elimate my debt with each creditor entered into the program. I made biweekly payments to the secured account that was set up for me. They used these funds to negotiate with each creditor. In XXXX of XXXX I was being sued by XXXX of the creditors and Beyond did not move faster on this debt when I requested, stating I did not have enough funds in my account to work with the creditor that sued me. In the initial court appearance the creditor offered me an extension to get Beyond Finance to contact them. After mant phone calls to Beyond, at the end of XXXX they said I " graduted '' with Beyond and the remaining debt would be moved to a personal loan at XXXX XXXX. With this loan they stated it was the only way to get the creditor that sued me paid promptly. Being up againt a wall to avoid having my wages garnished I took the deal. I now have debt in the amount of approximately $ XXXX with XXXX XXXX in which the deduct around {$380.00} out of each XXXX of my paychecks automatically. Needless to say the accounts that Beyond Finance did settle are now sending XXXX debt forgiveness to add to to my income for taxes. This was never discussed as now I will owe a lot of income tax with the IRS. All of this has kept me in debt to no end. I've paid fees to Beyond to negotiate my debt that I essentally still XXXX pay an very high interest rate to XXXX XXXX and have them essentially garnish my wages each payday ( which is what i was trying to avoid ). I have requested the interest be reduced as I have never missed a payment and the prime rates are starting to go back down to which they replied they don't do that. Now I owe income taxes on debt that was supposed to be eliminated. As I pay this loan I will esstentially pay taxes on it for may years. My only alternative will be bankruptcy which I do not want to file. In essence this company has kept me in debt for the foreseeable future which is what I was trying to avoid. To make matters worse my credit score has not improved as they said it would XXXX I received the XXXX XXXX loan. Please help me and others that have mislead by this company and probably others. Thank you for your condideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NM

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$370.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My bankruptcy concluded in XXXX. Every other credit bureau updated my report accordingly. However, Equifax has not and continues to report me as having severe delinquency and an ongoing bankruptcy. When I attempted to log into my account, I get an error code from Equifax saying XXXX and when I click okay it does not have any of my personal info in the portal. It looks as if their database corrupted it or something. Regardless, I tried to call the customer support line and give them this error code, but they require you to authenticate prior to getting through to someone I had to enter an old address in order to authenticate but whenever I got through to them, they requested the information again and was not able to give me any help on the XXXX error. So now I have no way of correcting the error and have not been called or emailed by tech support like their agent said would happen. This is harming my ability to restore my credit score to where it needs to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-22 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: TX

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : balance XXXX Account Name : [ XXXX ] Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had multiple XXXX transfers from my account that was not authorized by myself and was never able to receive the money back.

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 2025-01-22 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: FL

Complaint narrative:
I was a recent victim of IDENTITY THEFT please remove my old addresses on my credit report I want to PREVENT any future IDENTITY THEFT these addresses are the following XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX and XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX. I have been living in XX/XX/XXXX for the past 5 YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
on XX/XX/XXXX i was served with a civil suit from Capital One. during the investigation i conducted i noticed they have not been paying the correct interest rate and i also found i never had this account capital one is stating i had open and owe money too. i believe they filed a factious civil suit because they know they have not been paying me the correct interest rate since opening the account in XXXX this is their way to keep their money and not have to pay consumers. i have one open account with them at this time, a saving 360, i closed a revolving account with them back in XXXX, credit report indicated the same. 

i see you have a law suit against Capital One and would like to be one of the named plaintiffs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
This morning, I noticed some incorrect accounts on my credit report, and I have no clue how they got there. I checked my report as I normally do, but this time, I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical issue, but the errors remained. Since the inaccurate accounts did not disappear, I kindly request a thorough review of the documents I submitted to ensure I no longer have to worry about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred and nsf fees. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I was about to make a purchase money was transferred into my account my account briefly lockdown it was hacked and {$3000.00}. When missing in cash app told me I authorize the payment even though I did not they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX ( open date : XX/XX/XXXX XX/XX/XXXX ( Open Date : XX/XX/XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX( Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/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 2025-01-22 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: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX ( open date : XX/XX/XXXXXX/XX/XXXX ( Open Date : XX/XX/XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXXXX/XX/XXXX ( Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 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 2025-01-22 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-01-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, 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 2025-01-22 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 explanation
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute multiple inaccurate and unverified collection accounts that are currently listed on my credit report. After reviewing my credit report, I have identified several accounts that I believe are being reported incorrectly and that I suspect are not substantiated by proper documentation. 
The accounts in question are as follows : XXXX XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2300.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : Credit Collection XXXX XXXX 
Account Number : XXXX Reported Balance : {$860.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$7300.00} Date Opened/ Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2700.00} Date Opened/ Reported : XX/XX/XXXX I am requesting that you validate the accuracy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., which mandates that all information provided to credit bureaus be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that you cease reporting any disputed debts until proper validation and verification are provided. 
As part of my dispute, I am requesting that you provide the following documentation for each of the disputed accounts : XXXXThe name and contact information of the original creditor for each debt. 
XXXXThe amount owed, the date the debt was incurred, and any payments made toward the debt. 
XXXXThe specific method and date by which each debt was verified as accurate. 
XXXXAny written evidence or documentation supporting the existence of the debt. 
XXXXProof that the collection agency or creditor has the legal right to report the debt to the credit bureaus. 
If you are unable to provide sufficient verification for any of the disputed accounts, I request that you remove or update the information accordingly. Failure to validate and substantiate the debt as required by law should result in the immediate removal of these accounts from my credit report. 
Please treat this letter as a formal dispute of the accuracy of these collection accounts. As stipulated in the FCRA, I expect a response within 30 days of your receipt of this letter. If you are unable to verify the information, I request that the accounts be removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report.

Company response to consumer: Closed with non-monetary relief