vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: PA

Complaint narrative:
I am filing this complaint regarding the inaccurate and unlawful reporting of a civil judgment by XXXX  to XXXX. XXXX  is reporting this civil judgment as an eviction, which is completely incorrect. 
After disputing the civil judgment with the court, it was confirmed that the civil judgment is inactive and that there is no eviction record in their system. Despite this, Asurint continues to report this civil judgment as an eviction on my XXXX background check, which is a clear violation of my rights. 
By law, XXXX, XXXX, and XXXX are not permitted to report public records such as civil judgments if they do not meet specific reporting criteria. As Asurint is a third-party company that conducts background checks, it is responsible for ensuring that the information it reports is accurate and complete. In this case, Asurint has unlawfully reported a non-existent eviction, which violates the Fair Credit Reporting Act ( FCRA ). 
The FCRA, specifically Section 1681e ( b ), mandates that consumer reporting agencies like XXXX  must ensure that the information they report is accurate and complete. As XXXX is reporting an eviction record where none exists, this violates my rights. Furthermore, the FCRA under Section 1681c requires that information such as my Social Security number ( SSN ) and date of birth ( DOB ) be included for proper identity verification. XXXX  has failed to include my SSN or DOB, further violating the FCRA. 
The incorrect reporting of the judgment as an eviction has caused : 1. Denied Housing : The incorrect eviction record has led to denied housing opportunities, as landlords and property managers rely on background checks. This false reporting is unfairly preventing me from securing housing. 
2. Financial Strain : Due to being unable to rent, I have had to accept higher rental costs for temporary accommodations, which has caused significant financial strain.

3. Emotional Distress : The incorrect eviction record has caused emotional distress and XXXX, leaving me in an unstable housing situation.

4. Damage to Reputation : The incorrect eviction record continues to damage my reputation, making it difficult to regain trust with future landlords and housing providers.

I am requesting that XXXX  immediately remove and delete the incorrect eviction record from my background check. It is essential that this record be completely removed from my file, not updated, as there is no eviction and the judgment is inactive. I also request written confirmation once this matter has been resolved. If this issue is not resolved promptly, I will seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 formal complaint against Cash App ( Block , Inc. ) for violations of the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E due to inadequate customer service and unfair business practices.

Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on their platform, thereby exposing my account to unauthorized transactions and financial harm. Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution procedures mandated under EFTA and Regulation E.

These violations have resulted in substantial inconvenience and financial loss. I am seeking appropriate redress for these infractions and any remedies available under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: MI

Complaint narrative:
I made a purchase using a XXXX credit card for {$60.00} dollars during the 2022 holiday shopping season. A bill never arrived and no communications were sent related to it. They sent the {$60.00} late payment to a credit reporting agency and that dropped my XXXX credit report down more than XXXX points to the mid XXXX. Upon hearing of this from Experian I immediately contacted XXXX and paid the bill even though they sent XXXX. It was a tiny error that has destroyed my otherwise perfect credit for 40 years. When attempting to resolve this They were horrible and disrespectful to me, insulting, XXXX even though I paid this off with no invoice or bill ever provided. This single 30 day late {$60.00} has destroyed my credit and I have been impacted by it for housing and insurance. They are the worst and most XXXX organization i have ever seen.

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 2025-02-02 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:
Cash app has closed my account on XX/XX/year> and hasnt given me a reason Ive used my card for regular purchases and merchants and they randomly closed my account and wont give me a reason Ive been contacting them for months no response Im not the only one who account was randomly closed with no reason or evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
These are the Hard inquiries that needs to be removed immediately because it's fraudulent and inaccurate information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-02-02 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: GA

Complaint narrative:
They informed me that I had XXXX XXXX, but I was still getting overdraft fees credited to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ), due to inadequate customer service and unfair practices, which violate 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 restitution 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 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 2025-02-02 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report maintained by chexsystems. 

Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 

My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.

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 2025-02-02 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: IN

Complaint narrative:
To who it May concern, I am writing to fail a formal complaint against Experian regarding the reinvestigation process and failure to properly address dispute accounts associated with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my credit report. I have never had any dealings or sign any contracts or agreements with these entities. Furthermore, my XXXX credit report has been subject to a data breach which contributed to erroneous reporting of these accounts. I have compared with all experience requests for proper documentation including submitting proof of identity and supporting evidence to substantiate my dispute. Despite this, Experian has failed to conduct a reasonable reinvestigation or comply with its obligation under the FCRA.

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 2025-02-02 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: ProCollect, Inc.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-02-02 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: SC

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 lag posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction 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 2025-02-02 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: PA

Complaint narrative:
XXXX has written off more than what was charged off. that is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: OK

Complaint narrative:
Around XX/XX/XXXX I made multiple transactions to different accounts not knowing it was a scam for people who wanted to adopt animals and after I payed them {$700.00} dollars in total communication was dropped because they were asking for another {$800.00} that was brought up and I was told there's nothing they can do The second indecent was when I got charged {$25.00} twice by a website that claimed you can check your credit score for free and got charged {$50.00} afterwards Please be careful there are scammers everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
Account name XXXX XXXX Account number XXXX .... 
Recent balance {$49000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$55000.00} written off. {$49000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$48000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$48000.00} written off. {$48000.00} past due as of XX/XX/XXXX. 
Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$55000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$55000.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
Come with the receipts, or be quick to delete.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report maintained by Equifax.

Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 

My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached a written dispute along with my social and identification. There is multiple accounts with inaccurate or incomplete information.

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 2025-02-02 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 ( i ) promptly notify the furisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-02 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: CA

Complaint narrative:
I am filling this complain 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This is the first complaint against Portfolio Recovery Associates reporting an alleged collection account against me on my credit. I am requesting debt verification, the Bill of Sale and assignment document reflecting the transfer to Portfolio Recovery Associates. In the future if this matter becomes a legal matter, I will be requesting the original Purchase Agreement bearing my signature to this alleged debt. I looked up Portfolio Recovery Associates on the XXXX and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and BBB to take a look at. Portfolio Recovery Associates isn't licensed anywhere from where I can see to conduct business collecting in the XXXX of Minnesota. It is my point of view that violations against the Fair Debt Collection Practices Act have been committed. If Portfolio Recovery Associates doesn't want to pay monetary violations, I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.

Company response to consumer: Closed with explanation