vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Under FCRA and 15 U.S. Code 1681 Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681o, credit reporting agencies are liable for damages resulting from the negligent failure to maintain accurate credit records and ensure compliance with the requirements of the FCRA. 

The item I am disputing is an account reported by Jefferson Capital Systems, identified under account number XXXX. This entry contains inaccuracies and is causing significant harm to my credit profile. The details of my dispute are as follows : XXXX. Unverified Balance : The account is listed as having a balance of {$7700.00} and is marked as past due. However, no supporting documentation has been provided to validate the authenticity of this debt. 
XXXX. Erroneous Status : The account is reported as Collection dating back to XX/XX/XXXX without any updates or confirmation of legitimacy. 
XXXX. Payment History Inconsistencies : The monthly payment history displays continuous C notations without adequate explanation or updates.

Under 15 U.S. Code 1681i, I request that you : Verify the accuracy of the information reported by Jefferson Capital Systems. 
Delete or correct any information that can not be substantiated. 
Provide me with all documentation that was used to verify the validity of this debt. 

If you fail to correct or remove the inaccurate information, this will constitute non-compliance with the FCRA and further civil liability under 15 U.S. Code 1681o. I reserve the right to pursue damages and legal remedies should negligence persist.

I have attached copies of my credit report with the disputed information highlighted. Additionally, I have included proof of my identity and address to assist with your investigation.

Please respond with the results of your investigation within the 30-day timeframe outlined under FCRA regulations XXXX 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
Lots of fraud bu the university XXXX XXXX. Filled out a borrowers defense ad part of XXXX XXXX XXXX Considered post class but loans should be forgiven

Company response to consumer: Untimely response
Consumer complaint received 2025-01-21 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I requested documentation from North State Acceptance to validate account XXXX XXXX specifically a copy of the original contract and the auction receipt for the repossessed vehicle. While they provided the original contract, they refused to provide the auction receipt, which is critical to verifying the accounts accuracy and compliance with applicable laws. Despite my efforts, they have failed to fulfill this reasonable request, leaving me no choice but to escalate the matter. I am now requesting the CFPB to intervene and either obtain the auction receipt or require the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am complaining to express my concern regarding an issue with changes I requested to my credit card account, which have not been processed as expected. 
I am requesting them to change my phone number they asked verification from me which I faxed 2 times and they said they haven't received it. However I am unable to use my credit card since 4-5 months. 
I am paying my bill on time regardless of this issue.

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 2025-01-21 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: AZ

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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. The 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, XXXX NOR XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.

Account Name- XXXX XXXX Account Number- XXXX I was never late on ( Month/Year ) on this account please update the account as Paid/Current.

By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late.

It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

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 2025-01-21 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: OH

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) I have not initiated any transaction with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX } for review or collection.

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 2025-01-21 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, Kc. ) as a customer for insufficient customer services 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 2025-01-21 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I received a call from this number today- ( XXXX ) XXXX and they had my email, home address, and stated an Apple Credit Card was opened in my name. I suspected this was a scam when the person did not introduce themselves or say who they were representing. The person on the phone then said that someone had been making charges with the card and he would close it for me. He then asked me to complete my Apple Card application on my IPhone so he could then close my credit card through Apple and Goldman Sachs. To which I refused and actually canceled my credit card application on my XXXX and asked to speak with his XXXX. I then hung up, and called Apple Card Credit/Goldman Sachs to see if they had knowledge of a credit card being opened in my name which they had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 XXXX Block Inc ) due to inadequate customer services and unfair practice, which violate the consumer Financial 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and u seen appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
EVERYDAY IM GETTING UNAUTHORIZED ALERT ON MY CREDIT REPORT REGARDING INQUIRIES THAT IM NOT EVEN DO OR AWARE OF PLEASE I WOULD LIKE TO REMOVED ALL OF THEM OFF MY CREDIT REPORT THAT WAY I CAN MOVED ON WITH THE HOUSE IM TRYING TO PURCHASE... .THANK YOU MAY XXXX BLESSED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had signed up for XXXX different accounts from XXXX XXXX, XXXX was for Rooms Today, the other was for XXXX XXXX. 

There was a huge confusion because they must have inputted my social security number incorrectly or it is someone from XXXX 's fault when this account was set up. 

The first company was not only not giving me information on my balance of my account and several other factors even though they knew my phone number, amount and date of purchase and everything but the social, which they wouldn't tell me what the correct one was. 

I pleaded with the rep and the XXXX, so there was a payment or XXXX missed, plus I was sick with XXXX during this time. 

I also have the other account with XXXX XXXX XXXX, I made the current payment and the next day I sent another {$500.00} that would be for another payment, I see it was receipted but yet still they contacted me today, saying that I missed XXXX 's payment then reported me late to bureaus. I'll attach the XXXX payments made in 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 2025-01-21 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: TX

Complaint narrative:
I had signed up for XXXX different accounts from XXXX XXXX, XXXX was for Rooms Today, the other was for XXXX XXXX. 

There was a huge confusion because they must have inputted my social security number incorrectly or it is someone from XXXX 's fault when this account was set up. 

The first company was not only not giving me information on my balance of my account and several other factors even though they knew my phone number, amount and date of purchase and everything but the social, which they wouldn't tell me what the correct one was. 

I pleaded with the rep and the XXXX, so there was a payment or XXXX missed, plus I was sick with XXXX during this time. 

I also have the other account with XXXX XXXX XXXX, I made the current payment and the next day I sent another {$500.00} that would be for another payment, I see it was receipted but yet still they contacted me today, saying that I missed XXXX 's payment then reported me late to bureaus. I'll attach the XXXX payments made in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I had signed up for XXXX different accounts from XXXX XXXX, XXXX was for Rooms Today, the other was for XXXX XXXX. 

There was a huge confusion because they must have inputted my social security number incorrectly or it is someone from XXXX XXXX fault when this account was set up. 

The first company was not only not giving me information on my balance of my account and several other factors even though they knew my phone number, amount and date of purchase and everything but the social, which they wouldn't tell me what the correct one was. 

I pleaded with the rep and the XXXX, so there was a payment or XXXX missed, plus I was sick with XXXX during this time. 

I also have the other account with XXXX XXXXXXXX XXXX, I made the current payment and the next day I sent another {$500.00} that would be for another payment, I see it was receipted but yet still they contacted me today, saying that I missed XXXX 's payment then reported me late to bureaus. I'll attach the XXXX payments made in 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