vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
Incorrect XXXX created by CashApp Around XX/XX/XXXX I received a letter from the IRS indicating income I did not earn. I am a member of the XXXX XXXX XXXX XXXX XXXX. I assisted the finance committee with creating a CashApp account. My name & XXXX were only used to set up the account in XXXX. The XXXX 's bank account information is on CashApp. All the monies went directly to the XXXX bank account. The IRS advised me to contact CashApp to correct the XXXX to reflect the XXXX XXXX XXXX XXXX. The XXXX and I contacted CashApp via the App who indicated to upload two months of the XXXX bank statements showing that the monies were deposited into their account. All required information was uploaded via the link CashApp provided. The paperwork was uploaded on XX/XX/XXXX, and again XX/XX/XXXX. I contacted CashApp for an update XX/XX/XXXX, through the CashApp chat, but was told by them there was no need to contact them, that they will email once the case was addressed. On XX/XX/XXXX, the XXXX received an email stating, We closed your case because a response was provided, or it's been more than XXXX  days since we've heard from you. The XXXX still has not been updated, and I am still required by the IRS to pay {$30000.00} for monies I never received. I need CashApp to correct all the XXXX reports in my name, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within XXXX days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe. 

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 

If this matter is not resolved within XXXX days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-11 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To whom it may concern, I am formally disputing the account listed under account number # # # # # # XXXX reported on my credit file with the amount of {$180.00}. Collection agency name : Caine & Weiner Company Inc, the original creditor name : XXXX As I DO NOT recognize this account/debt. The reporting of this is INACCURATE account violates my rights under federal law specifically under 15 U.S. Code 1601. I request that you provide all documentation related to this account, including original agreements and evidence of proper disclosures as mandated under 15 U.S. Code 1601. 

REMOVE AND UPDATE the INACCURATE collection from my report if its found to be in violation of federal law. 

This INACCURATE account was reinserted on my credit report after deletion. As a consumer by law the accounts listed above on this letter must be UPDATED OR DELETED immediately or I will seek monetary compensation for violation of my rights in small claims court. Under 15 USC 1681n civil liability due to me being violated. Also, this letter has been sent to the complaint portal for ( Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Recieved an Amex digital gift card for XXXX. Have not been able to use it at any store or online. All retailers are decining purchases due to their fraud control measures. Can not get anyone from Amex to provide clear directions on how to resolve this error. The card is noiw useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Halsted Financial 's Failure to Send Right to Dispute Letter and Harassment Despite Request to Stop Contact Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Halsted Financial for several violations related to their debt collection practices. 

Failure to XXXXovide Right to Dispute Letter Halsted Financial has failed to send me a " Notice of Right to Dispute '' letter, as required by the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, a debt collector must inform the consumer of their right to dispute the debt within five days of initial contact. Despite numerous interactions with them, I have not received any correspondence detailing my right to dispute the debt. 

Continued Harassment After Request to Stop Communication I have also made a clear request for Halsted Financial to cease all phone communication with me. Specifically, I sent a text message to their official number requesting that they stop calling my phone. However, despite my request, Halsted Financial has continued to contact me through phone calls. 
Being a victim of Identity them this has affected me immensely as these issues are resurfacing. 

These actions are in direct violation of the following U.S. laws : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 of the FDCPA requires debt collectors to send a written notice of the consumers right to dispute the debt within five days of the initial communication.

Section 805 of the FDCPA prohibits debt collectors from continuing to contact a consumer after they have requested to cease communication. 
XXXX XXXX XXXX XXXX ( XXXX ) : This act prohibits companies from using automated phone calls or text messages to contact consumers without prior consent, especially after a consumer has asked them to stop. 
I request that the CFPB investigate Halsted Financials practices and ensure they comply with the above regulations. Additionally, I would like to know the next steps in resolving this issue, including the potential for enforcement actions. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Portfolio Recovery Associates, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXXXXXX XXXX XXXXXXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
To : XXXX XXXX XXXX XXXX : Request for Deletion of Unverified Account Due to XXXX XXXX Dear XXXX XXXX XXXX, I am writing to formally request the immediate removal of an Ally Financial charge-off account in the amount of {$23000.00} from my credit report. This account, which I previously disputed, was deleted from my XXXX credit report following their completed investigation on XX/XX/year>. XXXX deletion of this account confirms that the information is unverifiable, and as such, you are obligated to do the same under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Since XXXX has determined that this account can not be verified and has removed it entirely, it is now your responsibility to reflect this deletion on my credit report. 

The FCRA also protects consumers by mandating that unverifiable accounts be removed. Under FCRA 609 and 611, credit reporting agencies must delete any information that can not be confirmed as accurate within 30 days of a dispute. I urge you to investigate this matter promptly and remove the XXXX XXXX account from my credit file within this time frame. 

Should you fail to comply, FCRA 616 and 617 provide me with the right to take legal action against any credit reporting agency that fails to meet its legal obligations. Non-compliance with this request may result in legal action to seek damages for inaccurate reporting and failure to adhere to federal law. 

For your convenience, I have included a copy of my XXXX credit report confirming the deletion of this account. I request that you provide written confirmation once the account has been removed or provide documentation substantiating its accuracy and validity if you choose not to remove it. 

If this issue is not resolved within the legally mandated 30-day period, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I had XXXX last year and I wasnt getting paid so it put me behind on my credit card bills

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 2025-01-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Experian regarding a debt from XXXX Bank, XXXX, showing an inflated balance of $ XXXX both the credit limit ( {$11000.00} ) and the charge-off amount ( {$11000.00} ). I provided documentation and requested verification of the debt, including the original signed agreement and an itemized account history. 

On XX/XX/year>, Experian responded with an 'Updated ' status but failed to clarify what was changed or correct the inaccuracies. Despite my evidence, Experian failed to delete unverifiable information or explain their reinvestigation process. 

XXXX actions violate the Fair Credit Reporting Act ( FCRA ) : 1. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation ( XXXX XXXX XXXX XXXX, 115 F.3d 220 ).

2. 1681e ( b ) : Failure to ensure maximum accuracy of reported information ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ). 

3. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information ( XXXX v. XXXX & XXXX, XXXX F.3d 1147 ). 

4. 1681i ( a ) ( 6 ) ( B ) : Failure to provide meaningful notice of reinvestigation results ( XXXX v. XXXX Bank, 190 F. Supp. 2d 81 ). 

Experians vague response and continued reporting of unverifiable data, despite my good faith attempts to resolve the issue, have caused significant harm to my creditworthiness and financial standing.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i found out last year this account on my credit report i never applied for it this account was deemed as fraud last year by XXXX and all credit bureaus and they deleted it and blocked it it showed up again i have a letter from XXXX bank confirm they closed the account as fraudulent

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 2025-01-11 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 was a victim of XXXX trafficking and i have uploaded all supporting documents to support my block on the accounts do to XXXX trafficking 605C

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 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
This Company Credit System international Account # XXXX. Dated opened XX/XX/year> balance claimed owed {$780.00} Balance updated XX/XX/year>. Place on my credit negative report on my credit. I do not owe any debt to any company Delete this account for ( violation/inaccuracy ) 1.

Payment history, 2. Reporting as charged off 3.

Activity after the close date 4. A status of late__days 5. A past due of __even though this is a collection.

Delete this account for violation of false reportin-account should not be reporting a payment after it has been closed. The validity of this account is challenged. XXXX deleted this account due to 15 USC 1602 ( g ) ( 2 ), No evidence of indebtedness, only the agreement provided. You are still listing. DELETE ACCOUNT. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: ReliaMax Holding Company
State: TX

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. 
Reliamax Insurance/Launchservic XXXX XXXX XXXX XXXX XXXX, SD XXXX. XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Untimely response