vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX  XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ME

Complaint narrative:
In XXXX of XXXX we had found black mold in our apartment ( XXXX XXXX XXXX  ) making us very sick. We contacted the apartment administrators and educated them on the issue. 
They came in and sprayed bleach and then painted over the mold. We then again called the office after learning this is very dangerous thing to do, we were told to move out if this fix wasnt a good enough solution. We spoke on the phone with the office manager and decided and agreed that we were going to leave. In XXXX of XXXX we moved out of the apartment. In XXXX of XXXX we noticed that they put {$4200.00} into collections, however we never received a bill or validation notice. 
I have disputed this collection multiple times. 
This collection was immediately sent to a collection agency XXXX  XXXX XXXX XXXX XXXX without knowledge of the debt. 
I have no documentation of any bills owed to them or any letter from them trying to collect said debt. 
I have records of all emails that have been sent and received. We never received a final account statement on XX/XX/XXXX, as previously stated by collector. I have no records of this, no email or paper copy nor was it attached in what was sent above. All attachments were emails about issues with the apartment dating XX/XX/XXXX. We can not pay something we are unaware of. So again, we were never sent a final notice and this was automatically put into collections without any validation notice such as ; -Name and mailing information of the debt collector. - Name of the creditor to whom the debt is owed. -Account number ( if any ) associated with the debt. -An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that XXXX be able to recognize or verify with records. -The current amount of the debt as of when the validation notice is provided. -Information about debt collection rights including how to dispute the debt. None of the above information was sent. The Fair Debt Collection Practices Act ( FDCPA ) states the following ; When can a debt collector report my debt to a credit reporting company? -Speak with you in person. - Speak with you by telephone. -Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered. -Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Again, none of the above happened before being placed into collections. Therefore, this collection should be removed due to the negligence of the collector.

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 2025-01-27 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$96000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I discovered that I was a victim of identity fraud. An unauthorized person used my personal information to open a credit card account, apply for a loan, make unauthorized charges. 
I did not authorize these actions, and I have no connection to the accounts or transactions in question. I first became aware of the fraud when receiving an unexpected bill, and seeing an unfamiliar account on my credit report I immediately contacted the company, submitted a dispute to credit bureaus. I also placed a fraud alert and freezed my credit reports.

I would like the company to : 1. ReInvestigate and confirm that these accounts or transactions are fraudulent.

2. Remove any unauthorized accounts or charges.

3. Correct any negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I've sent out multiple letters to Experian XXXX XXXX XXXX but they are not complying with 15USC 1681e ( b ) ,15 USC 1681S-2, 15 USC 1681i ( 5 ) & 15 USC 1681c ( c ) After doing some extensive research i was informed that CFBP has started a lawsuit against these " agencies " for sham investigations in credit reports Longwith inaccuracies, these agencies don't properly report or investigate and fails to remove inaccurate information from reports even after receiving disputes from consumers

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 2025-01-27 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: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Notice of Statutory Damages Dear [ XXXX/Equifax/XXXX  ] XXXX am writing to formally request that my address be updated in your records to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I request that all other addresses currently associated with my credit file that are not accurate or current be removed. These addresses are outdated and no longer relevant to my financial profile. Also I am writing to formally dispute inaccurate information on my credit report that has caused significant harm to my creditworthiness. The CFPB lawsuits against XXXX and Equifax highlight the requirement for credit reporting agencies to ensure the highest level of accuracy in the data they report. As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you are required to maintain complete, accurate, and verifiable information on consumer credit files. 

I have identified several errors and inaccuracies on my credit report that have not been properly investigated despite previous disputes. These errors include ( but are not limited to ) : Charged-off accounts * inquiries that are unverifiable or inaccurate. 
Items reported that do not reflect the most accurate information available. 
Specific items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your failure to investigate and correct these inaccuracies is a direct violation of the FCRA and has caused financial harm, including lower credit scores and denial of credit opportunities. According to Section 1681n of the FCRA, I am entitled to statutory damages for your willful noncompliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Against Portfolio Recovery Associates , LLC Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, XXXX. I have experienced significant difficulties with them regarding a credit card debt claim. 

I was sued by Portfolio Recovery Associates for alleged credit card debt, but I never received the necessary documentation to validate that the charges truly belong to me. Additionally, they failed to verify any of the provided information, which I believe is against fair lending practices. Due to the situation, I did not have legal representation during this process, which left me at a disadvantage. 

I have since learned that the CFPB has also taken action against Portfolio Recovery Associates in relation to these practices, specifically in XXXX XXXX, with documents filed on XX/XX/XXXX. 

I urge you to investigate this matter and take appropriate action against Portfolio Recovery Associates , LLC, to protect consumers like myself from unfair practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. 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 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Veros Credit, LLC
State: FL

Complaint narrative:
This company is reporting inaccurate information on my credit report. I have requested that they provide the agreement to show full ownership. Despite my efforts to resolve this directly with creditor, it remains unresolved. I request immediate investigation and removal due to inaccuracies does not reflect my across all 3 bureaus, as it is incorrect and does not reflect my true credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here are the account. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
The issue is my previous homeowners insurance company XXXX XXXX is trying to collect for continuing insurance after they issued a letter of cancellation to my mortgage lender and myself. My homeowners insurance is payed through escrow or by my mortgage company. My coverage is annual and was renewed XXXX XXXX to XX/XX/year> for XXXX XXXX as my insurer. When XXXXXXXX XXXX sent a letter to cancel my policy on XX/XX/year>, they said it was for failing to provide underwriting information to them. I was sent a form to fill out and returned it back to them, however, they were not happy that it was late. In the cancellation letter XXXX XXXX said they would extend my coverage an additional month for some reason but since I received the cancellation two weeks before the annual renewal I decided to renew insurance for another year with another carrier at the date when annual renewal happens on XX/XX/XXXX each year. I called XXXXXXXX XXXX and they had also received the cancellation notice so I picked coverage through XXXX XXXX  for another year with XXXX insurance. My insurance is paid through escrow and not by me directly. When XXXX XXXX issued a cancellation to my mortgage company for homeowners insurance and then was not paid for another year of coverage from XXXX XXXX it is in the course of what XXXX XXXX ordered. XXXX XXXX then sends another cancellation notice on XX/XX/year> for non payment of annual renewal of homeowners insurance. Again, my payment is made through my mortgage company. XXXX XXXX sent XXXX XXXX a notice of homeowners cancellation on XX/XX/year> but does not seem concerned that the payment they think they are owed for renewal in XXXX or XXXX is not payed out by XXXX XXXX and they come after me in XXXX for coverage I never paid for or asked for and demand payment for it. You can't cancel a customers policy and not be paid for annual renewal out of escrow, but somehow say you decided to give that same customer another year of coverage. They did not give renewal of insurance, they were not paid for renewal of coverage, they can't come to me for payment of another year of coverage, again, not paid by me but by my mortgage company.. Where the XXXX is my mortgage company in all of this.. This whole thing is insane. I am willing to bet that if I filed a claim to XXXX XXXX after not paying for the unwanted coverage they would say you don't get relief because you failed to pay your new premium. They want it both ways... pay for cancelled insurance and since you have " supposed '' coverage because we say you do, it will not pay out because you didn't actually pay for another year of coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a claim for an unauthorized duplicate charge back in XX/XX/year>. Capital one contacted me and let me know my claim was denied. Capital one then stated that they were closing my account due to mismanagement. They refuse to inform me what transactions caused this concern a month ago. My claim was spontaneously approved, and the funds are sitting in the closed Capital One account. I have contacted Capital One to request a check for the remaining funds and my account to be officially closed. The customer service representative could not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following personal information is still incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Any previous addresses are undeliverable and I have no access to them. Please remove any other addresses that remain immediately.

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 2025-01-27 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: TX

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX. Date opened : XX/XX/XXXX Closed/charged off. Date reported XX/XX/XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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