vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) parentheses due to inadequate customer service and unfair practices, which violated the consumer financial protection act, ( CFPA ). Specifically, cash app fail to take timely, and effective measures to prevent an 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 ), parentheses in Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute a bankruptcy account inaccurately reporting on my credit reports with XXXX, Equifax, and XXXX. I have never filed for bankruptcy in my life, and this information is both inaccurate and damaging to my credit. 
On [ insert date ], I visited the United States Bankruptcy Court in XXXX XXXX, California, where I spoke with a clerk who verified that there is no record of a bankruptcy filing under my name. The clerk confirmed that the reporting of such information on my credit report is in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported is accurate and verifiable. This inaccurate bankruptcy reporting violates my rights and misrepresents my credit history. 

I am requesting an immediate investigation into this matter and the permanent deletion of the erroneous bankruptcy entry from my credit reports with all three bureaus. Please provide written confirmation of the results of your investigation within the legally mandated time frame. 

Attached to this letter are supporting documents, including a written statement detailing the findings from the bankruptcy court clerk. Should you require additional information, please contact me directly at the information provided above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute a bankruptcy account inaccurately reporting on my credit reports with Experian, XXXX, and XXXX. I have never filed for bankruptcy in my life, and this information is both inaccurate and damaging to my credit. 
On [ insert date ], I visited the United States Bankruptcy Court in XXXX XXXX, California, where I spoke with a clerk who verified that there is no record of a bankruptcy filing under my name. The clerk confirmed that the reporting of such information on my credit report is in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported is accurate and verifiable. This inaccurate bankruptcy reporting violates my rights and misrepresents my credit history. 

I am requesting an immediate investigation into this matter and the permanent deletion of the erroneous bankruptcy entry from my credit reports with all three bureaus. Please provide written confirmation of the results of your investigation within the legally mandated time frame. 

Attached to this letter are supporting documents, including a written statement detailing the findings from the bankruptcy court clerk. Should you require additional information, please contact me directly at the information provided above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccuracies on my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I am also notifying you that I am a victim of identity theft, which I believe stems from the data breach Experian experienced. As a result of this breach, my personal information has been compromised, leading to incorrect and fraudulent information being reported on my credit file. 

The following accounts are inaccurately reported as late : XXXX. XXXX XXXX XXXX Past Due Amount : {$370.00} Reported Late : 60 Days XXXX. XXXX XXXX XXXX XXXX XXXX Amount : {$450.00} Reported Late : 90 Days XXXX. XXXX XXXX XXXX XXXX : {$14000.00} Reported Late : 30 days XXXX. XXXX XXXX : {$4400.00} Reported XXXX : 30 days XXXX. XXXX XXXX XXXX XXXX : {$200000.00} Reported XXXX : 30 days XXXX. XXXX XXXX XXXX : {$32000.00} Reported XXXX days XXXX. XXXX XXXX XXXX {$19000.00} Reported XXXX : 69 days These reports are not only inaccurate but have severely impacted my credit score and ability to secure credit. I believe some of these accounts may have been fraudulently opened or affected due to the compromise of my personal information in the data breach. 

Under the FCRA, you are required to complete your investigation and respond within 30 days. Additionally, as a victim of identity theft, I expect Experian to take all necessary steps to ensure that my credit report accurately reflects my legitimate credit history and that fraudulent accounts or late payments are removed. 

Thank you for your prompt attention to this matter.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year>, a certified letter, return receipt ( see attached ) was sent to XXXX concerning them reporting inaccurately information with XXXX XXXX # XXXX. The information was inaccurate due to the fact that Equifax was reporting complete different information. This was address more than once, also on XX/XX/year> letters were sent to both XXXX and Equifax for reporting inaccurate information and there refusal to do a proper investigation, and also send a copy of the 1099C since the company charged-off the above account. Neither Bureau XXXX XXXX XXXX Equifax ) did not address within a timely manner. ( see attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally request verification of the debt referenced in your recent communication ( Account Number : XXXX ). As a victim of the XXXX data breach, my personal information, including my Social Security number, was compromised. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. Therefore, I kindly request that you provide the following information to verify the debt in question : The original creditors name and contact information. 
The specific amount of the debt, including a breakdown of charges. 
A detailed record of how this debt was incurred. 
If this debt is the result of fraudulent activity, I will be reporting the incident to the appropriate authorities and will pursue resolution through fraud protection channels. 

Please respond to this request at your earliest convenience. You can contact me at my email address : XXXX. 

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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX disputing the accuracy and validity of bankruptcy information listed on my credit report by Experian. On XX/XX/year>, I submitted disputes to Experian, requesting verification of the listed bankruptcies. I also provided a letter from the courthouse stating that they do not verify bankruptcy information for credit reporting purposes. Despite this, Experian has continued to report the bankruptcies without providing evidence of proper verification, which violates the Fair Credit Reporting Act ( FCRA ). 

The failure to verify this information or provide details of their investigation demonstrates a lack of compliance with their legal obligations. I have made several attempts to resolve this matter directly with Experian, but their responses have been inadequate and dismissive. 

Given the recent legal action against Experian for mishandling consumer credit reporting, I believe my case highlights a systemic issue that needs to be addressed. I am requesting that the inaccurate and unverifiable bankruptcies be removed from my credit report 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ID

Complaint narrative:
( Block , Inc ) due to inadequate costumer 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 process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transactions act and Regulation E. These actions have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: AL

Complaint narrative:
Subject : Request for Removal of Dismissed Debt from Credit Report To Whom It May Concern, I am writing to formally dispute an account on my credit report. The account in question pertains to a debt that was the subject of a lawsuit, which the creditor lost. Despite the case being dismissed by the court, this account continues to appear on my credit report, which is inaccurate and unfairly damages my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate and fair reporting of information on my credit file. Reporting a debt as unpaid or valid after a legal dismissal violates this principle. I am requesting the immediate removal of this account from my credit report to reflect the accurate outcome of the court decision.

Please investigate this matter and provide written confirmation that the account has been removed. I have attached any supporting documentation, including court records, to verify the dismissal of the case. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 Cosumer 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 takr timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not XXXX  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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My credit limit was raised in XXXX to {$6200.00}. I made every payment on time sometimes double the payments I was never ever late not one time. Out of the Blue an hour ago they told me that they decreased my limit to {$2800.00} which is the amount that I had on credit card at the time. So they dropped my limit in half which meant I could not use the card until I payed it down. I called and asked Barclays why and they basically said because I have to many credit cards. How am I being punished for being responsible with my credit. 
I can see if I was late and miss payments. How was it that they can even randomly check my credit and decide that I have too many cards so theyre gon na cut my credit in half on your card, that should not be allowed. 
I am disenchanted with Barclays JetBlue card so I told them to cancel the card and I cut the cards and this didnt happen until after I added my daughter as a user so I dont know if that had anything to do with it but its unfair especially since I have been repairing my credit for the last 6 years and have been doing well but they come along and punish a good customer, unbelievable and disappointing.

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 2025-01-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently came across an error in my credit report that seems inconsistent with my personal records. It is important to me that my credit report accurately reflects my financial activities and standing. I kindly request a thorough review of the report to identify and resolve any discrepancies. Thank you for your attention to this matterit is greatly appreciated.

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 2025-01-20 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 am filing this complaint against Experian for their blatant failure to remove a fraudulent XXXX  XXXX XXXX account from my credit report, despite undeniable proof that it is the result of identity theft. This account was reinserted without properly notifying me, and it is frustrating because I thought my case was already resolved. I did not open or authorize this account and have provided a police report along with supporting documentation to substantiate my claim. Both XXXX and XXXX have reviewed the same evidence and removed this account, yet Experian continues to report it, demonstrating gross negligence and a disregard for their legal obligations under the Fair Credit Reporting Act ( FCRA ). Experians actions violate 15 USC 1681b by reporting information without a permissible purpose, 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, and 15 USC 1681n for their non-willful or potentially willful noncompliance. This continued negligence is unacceptable and has caused significant harm to my financial standing and emotional well-being. I demand that Experian immediately delete this fraudulent account and comply with the law. If this issue is not resolved promptly, I will pursue further legal action to hold Experian accountable for its failure to act responsibly and in accordance with federal regulations. This matter requires urgent attention and resolution.

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 2025-01-20 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: MI

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 was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the receipt CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair an 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Dear [ Customer Service Team ], I hope this message finds you well. I am writing to formally request a refund for my recent purchase with [ Company Name ], as I am dissatisfied with the product/service I received. Below are the details of the transaction.In line with your return/refund policy, I would appreciate your assistance in processing my refund as soon as possible. I would like the refund to be issued to [ insert preferred method of refund, e.g., original payment method, store credit, etc. ]. 

Please confirm receipt of this request and let me know if you require any further information from my side. 

Thank you

Company response to consumer: Closed with explanation