vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this formal complaint regarding ongoing credit reporting inaccuracies by XXXX and XXXX, which have severely impacted me and my familys financial progress. Despite my repeated efforts to dispute and correct these inaccuracies, both credit bureaus continue to report incorrect information on my credit file. 

Specifically, the following accounts are being inaccurately reported : Three Navy Federal Credit Union accounts Reporting incorrect account details, dates, and statuses. 
XXXX XXXX Bank account Containing false information. 
XXXX XXXX credit card Displaying multiple inaccuracies. 
XXXX Mortgage Incorrectly showing late payments that never occurred. 

These errors are not minor ; they involve incorrect account numbers, dates, payment histories, and other critical details. Furthermore, these inaccuracies were previously removed from my credit file, yet XXXX and XXXX have reinserted them without justification, forcing me to dispute them again. 

In contrast, XXXX has been cooperative and has properly corrected and removed all inaccuracies without issue. However, the continued negligence and non-compliance of XXXX and XXXX in correcting these errors are preventing my family and me from moving forward financially. Their refusal to accurately report my credit information is unjust and causing unnecessary hardship. 

I am requesting immediate action from the CFPB to ensure that XXXX and XXXX comply with the Fair Credit Reporting Act ( FCRA ) by properly investigating and permanently correcting these errors. I am also requesting a thorough review of their dispute-handling process to prevent this from happening again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian for severe inaccuracies in my credit reporting, which have caused significant harm to my financial well-being. These actions have also come shortly after I filed prior complaints against Experian, making me suspect retaliation. This situation has disrupted my mortgage application process, inflicted financial harm, and caused emotional distress, for which I demand immediate restitution and a full investigation. 
Background Recently, Experian inaccurately reported that my XXXX XXXX XXXX XXXX account, which has a {$2000.00} credit limit, was closed. This false report caused my credit score to drop by nearly 40 points, directly halting my mortgage application process. This decrease in my credit score has resulted in financial losses, including delays in securing a mortgage, potential increased interest rates, and missed opportunities to purchase a property. The financial, emotional, and reputational harm caused by Experians negligence and potential retaliation are unacceptable. 
Evidence and Legal Violations 1. Timing Suggests Retaliation - I filed recent complaints against Experian due to prior issues with their handling of my credit report. Shortly thereafter, Experian reported false and damaging information about my XXXX XXXX account. 
- The suspicious timing of this action leads me to believe that Experian acted in bad faith, violating consumer protection laws. 
2. Negligence in Reporting Accuracy - Experian failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), specifically : - Section 607 ( b ) : The duty to maintain maximum possible accuracy in consumer reports. 
- Section 611 ( a ) : The duty to investigate disputes thoroughly and correct inaccuracies promptly. 
- Attached to this letter are documents proving that my XXXX XXXX account was in good standing and not closed. 
3. Failure to Mitigate Harm - Despite Experians errors, they have made no effort to remedy the harm caused. Their failure to respond appropriately has exacerbated my financial losses and emotional distress.

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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
On XX/XX/XXXX i was attempting to help my mother of all people with a financial problem. I went to withdraw {$1400.00} from my brokerage account and had to return it because the account is withdrawn to was not the account that was connected to my zelle, which i was trying to do, send a zelle payment. So after realizing this o simply deposited the same money back into my account and changed my linked bank account to the account that I have connected to my zelle. All accounts and cards have MY name on it and no one has access to my account but me but yet they decided to restrict my account due to " unusual activity " which could easily be explained if i got a call instead of generated emails. They even sent me the same exact email more than 7 times. They asked me to upload my drivers license which I did twice once bc it's got an email asking to and again because I got a notification to do it again in the app. This is very unacceptable and could of easily been taken care of if they took the time to call me or if they had s business where u don't get a computer when trying to contact their customer service department. Customer service is unacceptable. Their is nearly {$10000.00} in my account and just locked it up for NO reason! 2 seconds could fix my problem now it's been days without me having access to what I worked years to save!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime allowed unauthorized transactions on my account and refused to refund me even though I'm covered for unauthorized transactions according to the chime agent. Chime agent closed the account due to unauthorized transactions and told me I would receive my funds back through the mail. I later received an email stating chime will not return my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against cash-app ( block , inc ) do to inadequate customer service and unfair practices which violates the consumer 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 2025-01-29 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Unauthorized charges were made in XXXX when I did not even travel there. Contacted Chase and they will not remove the charges. Chase did not even notify me about suspicious charges. I found them on my own. One charge made to XXXX XXXX for {$710.00} and another made to XXXX XXXX XXXX for {$1100.00}. I have never even heard or know what the latter company is. 

Company is forcing me to pay these charges even though I did not make them. It is fairly obvious these charges are bogus and my statement says the money is due, even though they claim they reversed the charges. 

The card number Im giving you has been cancelled. I have not activated the new card. I am waiting to see if and how this is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Compliant is with cash app they closed my account XXXX I kept asking for proof and or evidence they didn't provide I entered cash app through an contract through email and cash app customer service never provided information within reasonable time of the contract I requested proof I also asked for money in this contract as well if they didn't respond in reasonable time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against RESURGENT RECEIVABLES LLC for attempting to collect a debt I believe is not valid and for failing to provide debt validation as required by law. 
The account in question was opened on XX/XX/year>, and RESURGENT RECEIVABLES LLC is currently attempting to collect a debt. I have not signed any contract or agreement with XXXX XXXX XXXX or the original creditor associated with this debt. Additionally, they have not provided any validation of the debt or any information showing that they have the legal right to collect this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX  is required to provide me with validation of the debt, which should include : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement of my rights under the FDCPA, including the right to dispute the debt.

I have not received this information. Furthermore, as this is a debt that XXXX XXXX XXXX claims to collect, but for which I have never entered into any agreement or contract, I am requesting that they cease any further attempts to collect this debt until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Address : Account number : XXXXXXXX XXXX XXXX last XXXX ss # XXXX Dear XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Forward flow agreement Please cease and desist from collecting on this debt until you have provided validation of the debt 7. 1099 c being that the debt was charged off and considered income 8. The account was charged off twice when it onlysuppose be charged off once thats inaccurate information 9. This account is also deleted form my transunion 10. Chain of assignments Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
CitiBank transferred credit card debt to XXXX XXXX XXXX in XXXX. I notified XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by CitiBank . I notified XXXX of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXXXXXX XXXX XXXX XXXXXXXX XXXX advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. XXXX took me to court - my repeated statement of the debt not being mine was not disclosed by XXXXXXXX or XXXX XXXX XXXX XXXXXXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over 16 on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. 
After submitting an offer to settle for the already paid amount, XXXX has yet to respond, and reported late payment to the credit agency although I continue tto try to contact.

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 2025-01-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a purchase online XXXX through PayPal. XX/XX/XXXX. I reached out to PayPal XXXX, XXXX and inform them that the item was not received. Supposedly the vendor was sending the product an gave a tracking number XXXX and it state that XXXX to track order however after calling PayPal and after waiting another two weeks still no product. I called PayPal again this time they. stated I would receive a refund within 7 to 10 business days. The amount for this transaction is XXXX dated XX/XX/XXXX transaction ID XXXX. Seller name XXXX XXXX. mine you they created this tracking number in lieu of not receiving the product which was originally dated to receive in 7 to10day on express service for an additional XXXX. I received from PayPal communication from on XX/XX/XXXX that they were denying the case. Their reason they had a tracking number. I spoke to them again on XX/XX/XXXX and asked who the carrier was, and they had no answer. When was it delivered, they had no answer. Bottom line I'm not even sure at this point this company exist. This is fraud without a doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I WAS INFORMED BY XXXX THAT I WAS A VICTIM OF DATA BREACH AND MY INFORMATION WAS AT RISK ALSO FOUND SEVERAL COLLECTION ACCOUNT ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Equifax is obligated to ensure maximum accuracy and conduct a proper investigation. Additionally, under 15 U.S.C. 1681c-2, victims of identity theft are entitled to have fraudulent accounts and unauthorized inquiries blocked.

In light of the CFPBs recent enforcement action against credit bureaus for failing to conduct proper investigations, I am requesting this dispute be handled promptly and thoroughly. If Equifax fails to resolve these disputes and remove the inaccuracies, I will escalate the matter to the CFPB and seek legal remedies.

Data Breach Impact : As a victim of identity theft, likely stemming from the recent data breach, I am requesting immediate removal of all negative and fraudulent items. These inaccuracies have caused significant harm to my credit profile and must be addressed immediately.

Failure to act within the legal timeframe may result in further action. Please update me as soon as possible regarding the status of my dispute.

Company response to consumer: Closed with non-monetary relief